2026 Loan Limits in Idaho Springs, Clear Creek County
Clear Creek County is a designated high-cost county for 2026, so the conforming limit is $862,500 rather than the $847,440 national baseline. HUD set the county's one-unit FHA limit at $862,500 — $321,213 above the $541,287 national floor. At a $445,000 median, both conforming and FHA financing reach the middle of the Idaho Springs market. On 2–4 units, conforming runs $1,104,000/$1,334,633/$1,658,674 and FHA $1,104,000/$1,334,633/$1,658,674, which is how Idaho Springs buyers house-hack a duplex with 3.5% down.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $862,500 in Clear Creek County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Idaho Springs's 2026 FHA ceiling: $862,500.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Idaho Springs for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Idaho Springs, Clear Creek County — a mixed residential market; median $445,000; county FHA limit $862,500.