2019 FHA Loan Limits in Colorado

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Updated on Wednesday, April 3, 2019

Considering a move to Colorado? Come prepared for a high cost of housing. According to the Colorado Association of REALTORS, the average sales price of a single-family home in January 2019 was $455,677, up from $435,080 in January 2018.

However, in certain areas, the cost can go much higher. For example, in Denver County, the average sales price for a single-family home during the same timeframe was $545,045. To put that in perspective, the average sales price nationwide in November 2018 was $362,400.

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Fortunately, if you’re interested in an FHA loan, the FHA loan limits for certain counties in Colorado reflect the higher cost of real estate in the state.

FHA loans are attractive because their down payment requirements and closing costs are lower than conventional loans. At the same time, they may be easier to qualify for, even if your credit isn’t great.

The FHA loan limit is a cap on the size of a mortgage the Federal Housing Administration will insure. These loan limits are updated annually and announced by the Department of Housing and Urban Development (HUD) near the end of each year. For 2019, the loan limits for a single-family home in Colorado range from $314,827 to $726,525.

Colorado FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ADAMS$561,200 $718,450 $868,400 $1,079,250 $488,000
ALAMOSA$314,827 $403,125 $487,250 $605,525 $152,000
ARAPAHOE$561,200 $718,450 $868,400 $1,079,250 $488,000
ARCHULETA$314,827 $403,125 $487,250 $605,525 $229,000
BACA$314,827 $403,125 $487,250 $605,525 $40,000
BENT$314,827 $403,125 $487,250 $605,525 $58,000
BOULDER$626,750 $802,350 $969,850 $1,205,300 $545,000
BROOMFIELD$561,200 $718,450 $868,400 $1,079,250 $488,000
CHAFFEE$333,500 $426,950 $516,050 $641,350 $290,000
CHEYENNE$314,827 $403,125 $487,250 $605,525 $36,000
CLEAR CREEK$561,200 $718,450 $868,400 $1,079,250 $488,000
CONEJOS$314,827 $403,125 $487,250 $605,525 $125,000
COSTILLA$314,827 $403,125 $487,250 $605,525 $99,000
CROWLEY$314,827 $403,125 $487,250 $605,525 $30,000
CUSTER$314,827 $403,125 $487,250 $605,525 $175,000
DELTA$314,827 $403,125 $487,250 $605,525 $184,000
DENVER$561,200 $718,450 $868,400 $1,079,250 $488,000
DOLORES$314,827 $403,125 $487,250 $605,525 $134,000
DOUGLAS$561,200 $718,450 $868,400 $1,079,250 $488,000
EAGLE$726,525 $930,300 $1,124,475 $1,397,400 $606,000
EL PASO$339,250 $434,300 $524,950 $652,400 $295,000
ELBERT$561,200 $718,450 $868,400 $1,079,250 $488,000
FREMONT$314,827 $403,125 $487,250 $605,525 $168,000
GARFIELD$726,525 $930,300 $1,124,475 $1,397,400 $625,000
GILPIN$561,200 $718,450 $868,400 $1,079,250 $488,000
GRAND$402,500 $515,250 $622,850 $774,050 $350,000
GUNNISON$357,650 $457,850 $553,450 $687,800 $271,000
HINSDALE$427,800 $547,650 $662,000 $822,700 $327,000
HUERFANO$314,827 $403,125 $487,250 $605,525 $110,000
JACKSON$314,827 $403,125 $487,250 $605,525 $138,000
JEFFERSON$561,200 $718,450 $868,400 $1,079,250 $488,000
KIOWA$314,827 $403,125 $487,250 $605,525 $54,000
KIT CARSON$314,827 $403,125 $487,250 $605,525 $147,000
LA PLATA$419,750 $537,350 $649,550 $807,200 $365,000
LAKE$314,827 $403,125 $487,250 $605,525 $220,000
LARIMER$437,000 $559,450 $676,200 $840,400 $380,000
LAS ANIMAS$314,827 $403,125 $487,250 $605,525 $100,000
LINCOLN$314,827 $403,125 $487,250 $605,525 $128,000
LOGAN$314,827 $403,125 $487,250 $605,525 $138,000
MESA$314,827 $403,125 $487,250 $605,525 $225,000
MINERAL$314,827 $403,125 $487,250 $605,525 $195,000
MOFFAT$314,827 $403,125 $487,250 $605,525 $176,000
MONTEZUMA$314,827 $403,125 $487,250 $605,525 $198,000
MONTROSE$314,827 $403,125 $487,250 $605,525 $220,000
MORGAN$314,827 $403,125 $487,250 $605,525 $193,000
OTERO$314,827 $403,125 $487,250 $605,525 $81,000
OURAY$425,500 $544,700 $658,450 $818,250 $270,000
PARK$561,200 $718,450 $868,400 $1,079,250 $488,000
PHILLIPS$314,827 $403,125 $487,250 $605,525 $99,000
PITKIN$726,525 $930,300 $1,124,475 $1,397,400 $625,000
PROWERS$314,827 $403,125 $487,250 $605,525 $85,000
PUEBLO$314,827 $403,125 $487,250 $605,525 $166,000
RIO BLANCO$314,827 $403,125 $487,250 $605,525 $150,000
RIO GRANDE$314,827 $403,125 $487,250 $605,525 $135,000
ROUTT$634,800 $812,650 $982,300 $1,220,800 $480,000
SAGUACHE$314,827 $403,125 $487,250 $605,525 $144,000
SAN JUAN$314,827 $403,125 $487,250 $605,525 $175,000
SAN MIGUEL$726,525 $930,300 $1,124,475 $1,397,400 $493,000
SEDGWICK$314,827 $403,125 $487,250 $605,525 $90,000
SUMMIT$722,200 $924,550 $1,117,550 $1,388,850 $497,000
TELLER$339,250 $434,300 $524,950 $652,400 $295,000
WASHINGTON$314,827 $403,125 $487,250 $605,525 $140,000
WELD$385,250 $493,200 $596,150 $740,850 $335,000
YUMA$314,827 $403,125 $487,250 $605,525 $135,000

How are FHA loan limits calculated?

Housing costs can vary widely throughout the country and even from county to county within a state, so the FHA loan limits differ from one county to the next.

Each year, the FHA announces a national loan limit for one-unit properties in low-cost areas. That loan limit — also called the “floor” — is set at 65% of the conforming loan limit for mortgages that conform to Fannie Mae and Freddie Mac guidelines. For 2019, the floor is $314,827.

High-cost areas have their own loan limits, referred to as the “ceiling.” The ceiling is set at 150% of the conforming loan limit. For 2019, the ceiling for one-unit properties is $726,525.

The FHA backs mortgages on properties with up to four units, so each county has an applicable loan limit for two-, three- and four-family properties. In Colorado, you’ll find county-specific loan limits range the gamut from floor to ceiling. You can look up the limits in your county using the FHA Mortgage Limits lookup tool available on HUD’s website.

Are you eligible for an FHA loan in Colorado?

Finding a home in Colorado may be a challenge. After all, at the Colorado Association of REALTORS annual Economic Summit in February of 2019, the state’s lack of housing inventory was a hot topic, and low inventory tends to drive up prices. However, FHA loan limits across the state reflect these challenges.

For more information on FHA loan requirements, including income, credit score and down payment requirements and more, check out our complete guide to FHA loans.