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2025 FHA Loan Limits in Colorado

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With the help of an FHA loan, Colorado homebuyers with low credit scores or limited savings can purchase property. These loans, backed by the Federal Housing Administration, have less stringent qualifications than conventional home loans but limit the amount you can finance depending on where you live. In many Colorado counties, single-family home buyers can borrow up to $524,225 with an FHA loan, but in pricier spots, like Eagle, Garfield and Pitkin counties, loan limits can reach $1,209,750.

Colorado FHA loan limits by county

County	One unit	Two units	Three units	Four units	Median sales price
ADAMS	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
ALAMOSA	$524,225	$671,200	$811,275	$1,008,300	$234,000
ARAPAHOE	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
ARCHULETA	$524,225	$671,200	$811,275	$1,008,300	$445,000
BACA	$524,225	$671,200	$811,275	$1,008,300	$108,000
BENT	$524,225	$671,200	$811,275	$1,008,300	$97,000
BOULDER	$862,500	$1,104,150	$1,334,700	$1,658,700	$750,000
BROOMFIELD	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
CHAFFEE	$667,000	$853,900	$1,032,150	$1,282,700	$580,000
CHEYENNE	$524,225	$671,200	$811,275	$1,008,300	$156,000
CLEAR CREEK	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
CONEJOS	$524,225	$671,200	$811,275	$1,008,300	$145,000
COSTILLA	$524,225	$671,200	$811,275	$1,008,300	$100,000
CROWLEY	$524,225	$671,200	$811,275	$1,008,300	$115,000
CUSTER	$524,225	$671,200	$811,275	$1,008,300	$280,000
DELTA	$524,225	$671,200	$811,275	$1,008,300	$325,000
DENVER	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
DOLORES	$524,225	$671,200	$811,275	$1,008,300	$170,000
DOUGLAS	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
EAGLE	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,275,000
EL PASO	$533,600	$683,100	$825,700	$1,026,150	$464,000
ELBERT	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
FREMONT	$524,225	$671,200	$811,275	$1,008,300	$289,000
GARFIELD	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,125,000
GILPIN	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
GRAND	$874,000	$1,118,900	$1,352,450	$1,680,800	$760,000
GUNNISON	$747,500	$956,950	$1,156,700	$1,437,500	$650,000
HINSDALE	$524,225	$671,200	$811,275	$1,008,300	$285,000
HUERFANO	$524,225	$671,200	$811,275	$1,008,300	$153,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$239,000
JEFFERSON	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
KIOWA	$524,225	$671,200	$811,275	$1,008,300	$80,000
KIT CARSON	$524,225	$671,200	$811,275	$1,008,300	$258,000
LA PLATA	$690,000	$883,300	$1,067,750	$1,326,950	$600,000
LAKE	$524,225	$671,200	$811,275	$1,008,300	$428,000
LARIMER	$632,500	$809,700	$978,750	$1,216,350	$550,000
LAS ANIMAS	$524,225	$671,200	$811,275	$1,008,300	$200,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$200,000
LOGAN	$524,225	$671,200	$811,275	$1,008,300	$225,000
MESA	$524,225	$671,200	$811,275	$1,008,300	$389,000
MINERAL	$524,225	$671,200	$811,275	$1,008,300	$315,000
MOFFAT	$524,225	$671,200	$811,275	$1,008,300	$277,000
MONTEZUMA	$524,225	$671,200	$811,275	$1,008,300	$323,000
MONTROSE	$750,950	$961,350	$1,162,050	$1,444,150	$653,000
MORGAN	$524,225	$671,200	$811,275	$1,008,300	$315,000
OTERO	$524,225	$671,200	$811,275	$1,008,300	$148,000
OURAY	$750,950	$961,350	$1,162,050	$1,444,150	$653,000
PARK	$833,750	$1,067,350	$1,290,200	$1,603,400	$725,000
PHILLIPS	$524,225	$671,200	$811,275	$1,008,300	$213,000
PITKIN	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,125,000
PROWERS	$524,225	$671,200	$811,275	$1,008,300	$180,000
PUEBLO	$524,225	$671,200	$811,275	$1,008,300	$280,000
RIO BLANCO	$524,225	$671,200	$811,275	$1,008,300	$206,000
RIO GRANDE	$524,225	$671,200	$811,275	$1,008,300	$165,000
ROUTT	$1,012,000	$1,295,550	$1,566,050	$1,946,200	$875,000
SAGUACHE	$524,225	$671,200	$811,275	$1,008,300	$150,000
SAN JUAN	$524,225	$671,200	$811,275	$1,008,300	$430,000
SAN MIGUEL	$1,045,350	$1,338,250	$1,617,650	$2,010,350	$620,000
SEDGWICK	$524,225	$671,200	$811,275	$1,008,300	$142,000
SUMMIT	$1,067,200	$1,366,200	$1,651,450	$2,052,350	$928,000
TELLER	$533,600	$683,100	$825,700	$1,026,150	$464,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$230,000
WELD	$563,500	$721,400	$872,000	$1,083,650	$490,000
YUMA	$524,225	$671,200	$811,275	$1,008,300	$174,000

How are FHA loan limits determined?

The FHA revises its loan limits each year to reflect changing housing costs across the country based on a formula outlined in the National Housing Act (NHA). Because of this, the maximum you can borrow with an FHA loan is always a percentage of the national conforming loan limit set by the Federal Housing Finance Agency (FHFA) for conventional loans — or mortgages that conform to Fannie Mae and Freddie Mac’s guidelines.

In 2025, the largest FHA loan you can get for a single-family home in most counties across the country, known as the loan limit floor, is $524,225 — or 65% of the national conforming loan limit of $806,500. But people living in more expensive areas can borrow far more, up to the ceiling amount of $1,209,750 — or 150% of the same national conforming loan limit.

Of Colorado’s 64 counties, only buyers in three — Eagle, Garfield and Pitkin — can access that top loan amount. Residents of an additional 24 of its counties, including Boulder, Denver, Park and Summit, will find their FHA loan limits fall somewhere between the floor and ceiling amount, while those in the remaining 37 counties can get FHA loans up to $524,225.

How to qualify for an FHA loan in Colorado

FHA loans have more relaxed qualification requirements than conventional loans because of their government-backed status, but you still need to meet the following criteria to apply for one:

Minimum credit score of 500: You’ll need to put down 10% or more to get an FHA loan if your credit score is between 500 and 579.
Down payment of 3.5%: The minimum down payment required for an FHA loan is 3.5% if your credit score is 580 or higher.
Maximum debt-to-income ratio of 43%: Lenders will divide your total monthly debt by your pre-tax monthly income to discover how much of your money goes toward debt repayment. The lower that ratio, the less risky a borrower you’re thought to be. The FHA typically approves borrowers with a DTI ratio at or below 43%, although those with a higher ratio may still qualify with a strong enough credit score or large cash reserves.
Live in the purchased home: Any property bought with an FHA loan must be used as your primary residence for at least one year. You can’t purchase vacation homes or rental properties with this loan.
Stable income history: While FHA loans come with no income limits or requirements, you’ll still need to show lenders at least two years of steady past employment through pay stubs, W-2s or 1099s.
FHA mortgage insurance: FHA loans come with two extra insurance hurdles: an upfront FHA mortgage insurance premium equaling 1.75% of the total loan, and an annual mortgage insurance premium, which costs between 0.15% and 0.75% of the total loan.
Get an FHA appraisal: Any home purchased with an FHA loan must undergo and pass a $400 to $700 FHA appraisal verifying the property’s value, condition and safety.

Buying a multifamily property with an FHA loan

FHA loans can also be used to buy multifamily properties with two to four housing units. These residential mortgages function similarly to the single-family ones backed by the FHA but come with higher loan limits that increase with each additional unit. To qualify for a multi-unit FHA loan, you’ll need to meet the following requirements:

Credit score of at least 500: You’ll need to make a down payment of 10% or more with a score this low. Borrowers with scores of 580 or higher can put down just 3.5%.
Minimum 3.5% down payment: If your credit score is less than 580, you must put down 10% or more.
Debt-to-income (DTI) ratio of 43% or less: To get an FHA loan, your DTI ratio should be at or below 43%. If your ratio is higher, you can still qualify, but you’ll need a strong credit score and cash reserves.
Live in one of the units: The property should have two to four residential units, or, if it’s a mixed-use property, 51% of the square footage must be of residential use. You will need to live in one of the units, sometimes called house hacking, for at least one year to qualify for the loan, though the remaining units can be rented out.
Cash reserves: Lenders may require certain cash reserves to qualify for an FHA loan.

FHA loan limits for multifamily homes in Colorado go up to $1,008,300 depending on the size: