Stewardship Capital
The conforming and FHA loan limits for all 64 counties in Colorado, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in Colorado
$1,249,125
Eagle County
FHA range
$541,287 – $1,249,125
One unit, by county
20 of Colorado's 64 counties are designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is Eagle County at $1,249,125 for a one-unit home.
| County | Conforming | FHA |
|---|---|---|
| Adams County | $862,500 | $862,500 |
| Alamosa County | $832,750 | $541,287 |
| Arapahoe County | $862,500 | $862,500 |
| Archuleta County | $832,750 | $541,287 |
| Baca County | $832,750 | $541,287 |
| Bent County | $832,750 | $541,287 |
| Boulder County | $879,750 | $879,750 |
| Broomfield County | $862,500 | $862,500 |
| Chaffee County | $832,750 | $713,000 |
| Cheyenne County | $832,750 | $541,287 |
| Clear Creek County | $862,500 | $862,500 |
| Conejos County | $832,750 | $541,287 |
| Costilla County | $832,750 | $541,287 |
| Crowley County | $832,750 | $541,287 |
| Custer County | $832,750 | $541,287 |
| Delta County | $832,750 | $541,287 |
| Denver County | $862,500 | $862,500 |
| Dolores County | $832,750 | $541,287 |
| Douglas County | $862,500 | $862,500 |
| Eagle County | $1,249,125 | $1,249,125 |
| El Paso County | $832,750 | $541,650 |
| Elbert County | $862,500 | $862,500 |
| Fremont County | $832,750 | $541,287 |
| Garfield County | $1,209,750 | $1,249,125 |
| Gilpin County | $862,500 | $862,500 |
| Grand County | $883,200 | $883,200 |
| Gunnison County | $832,750 | $747,500 |
| Hinsdale County | $832,750 | $563,500 |
| Huerfano County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $862,500 | $862,500 |
| Kiowa County | $832,750 | $541,287 |
| Kit Carson County | $832,750 | $541,287 |
| La Plata County | $832,750 | $747,500 |
| Lake County | $1,092,500 | $1,092,500 |
| Larimer County | $832,750 | $634,800 |
| Las Animas County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Logan County | $832,750 | $541,287 |
| Mesa County | $832,750 | $541,287 |
| Mineral County | $832,750 | $541,287 |
| Moffat County | $1,089,050 | $1,089,050 |
| Montezuma County | $832,750 | $541,287 |
| Montrose County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Otero County | $832,750 | $541,287 |
| Ouray County | $832,750 | $750,950 |
| Park County | $862,500 | $862,500 |
| Phillips County | $832,750 | $541,287 |
| Pitkin County | $1,209,750 | $1,249,125 |
| Prowers County | $832,750 | $541,287 |
| Pueblo County | $832,750 | $541,287 |
| Rio Blanco County | $832,750 | $541,287 |
| Rio Grande County | $832,750 | $541,287 |
| Routt County | $1,089,050 | $1,089,050 |
| Saguache County | $832,750 | $541,287 |
| San Juan County | $832,750 | $541,287 |
| San Miguel County | $994,750 | $1,045,350 |
| Sedgwick County | $832,750 | $541,287 |
| Summit County | $1,092,500 | $1,092,500 |
| Teller County | $832,750 | $541,650 |
| Washington County | $832,750 | $541,287 |
| Weld County | $832,750 | $575,000 |
| Yuma County | $832,750 | $541,287 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in Colorado. Talk it through with Stephen.
The baseline conforming loan limit in Colorado for 2026 is $832,750 for a one-unit home. In Colorado's 20 high-cost counties it is higher, up to $1,249,125 in Eagle County.
FHA loan limits in Colorado range from $541,287 to $1,249,125 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
