2024 Colorado Loan & Income Limits
For most of Colorado the FHA loan limit is the National Limit of $498,257 & the National Conforming Loan Limit is $766,550. However, there are many counties where you can get a larger FHA or Conforming loan. These areas are defined as high-cost areas by the FHFA (Federal Housing Finance Agency) & High Balance Loan Areas by Fannie Mae and Freddie Mac. For FHA the High-Cost areas are defined as counties where 115% of the local median home value exceeds the baseline loan limits. In other words, high-cost areas are where homes get really expensive relative to the rest of the nation. High-cost areas alow for loans larger than the National FHA Limit & so do High Balance Loan Areas, Here is a list of Colorado Counties and the loan limits as well as the Fannie Mae & Freddie Mac income limits if you are looking at doing a HomeReady or Home Possible Loan with as little as 3% Down.
Colorado | Single Family Residence (1 Unit) | Duplex Residence (1 Unit) | Triplex Residence (3 Units) | Multi "Quad" Plex Residence (4 Units) | HomeReady Home Possible Income Limits |
---|---|---|---|---|---|
ADAMS FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 $1,045,250 |
$1,263,500 $1,263,500 |
$1,570,200 $1,570,200 |
80% of AMI = $100,400 |
ALAMOSA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
ARAPAHOE FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 $1,045,250 |
|
$1,570,200 $1,570,200 |
80% of AMI = $100,400 |
ARCHULETA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
BACA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
BENT FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
BOULDER FHA High Cost Limit Conforming High Balance Limit |
$856,750 $856,750 |
$1,096,800 $1,096,800 |
$1,325,800 $1,325,800 |
$1,647,650 | 80% of AMI = $115,280 |
BROOMFIELD FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 | $1,263,500 | $1,570,200 | 80% of AMI = $100,400 |
CHAFFEE FHA High Cost Limit Conforming High Balance Limit |
$632,500 | $809,700 | $978,750 | $1,216,350 | 80% of AMI = $72,720 |
CHEYENNE |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $76,800 |
CLEAR CREEK FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 | $1,263,500 | $1,570,200 | 80% of AMI = $100,400 |
CONEJOS FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
COSTILLA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
CROWLEY FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
CUSTER FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
DELTA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
DENVER FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 | $1,263,500 | $1,570,200 | 80% of AMI = $100,400 |
DOLORES |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
DOUGLAS FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 | $1,263,500 | $1,570,200 | 80% of AMI = $100,400 |
EAGLE FHA High Cost Limit Conforming High Balance Limit |
$1,149,825 > Conforming |
$1,472,250 | $1,779,525 | $2,211,600 | 80% of AMI = $94,240 |
EL PASO FHA High Cost Limit Conforming High Balance Limit |
$517,500 | $662,500 | $800,800 | $995,200 | 80% of AMI = $84,000 |
ELBERT FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 | $1,263,500 | $1,570,200 | 80% of AMI = $100,400 |
FREMONT FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
GARFIELD FHA High Cost Limit Conforming High Balance Limit |
$1,149,825 > Conforming |
$1,472,250 | $1,779,525 | $2,211,600 | 80% of AMI = $79,360 |
GILPIN FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 | $1,263,500 | $1,570,200 | 80% of AMI = $100,400 |
GRAND FHA High Cost Limit Conforming High Balance Limit |
$747,500 | $956,950 | $1,156,700 | $1,437,500 | 80% of AMI = $82,960 |
GUNNISON FHA High Cost Limit Conforming High Balance Limit |
$633,650 | $811,200 | $980,550 | $1,218,550 | 80% of AMI = $80,000 |
HINSDALE FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
HUERFANO FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
JACKSON FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
JEFFERSON FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 | $1,263,500 | $1,570,200 | 80% of AMI = $100,400 |
KIOWA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
KIT CARSON FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
LA PLATA FHA High Cost Limit Conforming High Balance Limit |
$655,500 | $839,150 | $1,014,350 | $1,260,600 | 80% of AMI = $83,760 |
LAKE FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
LARIMER FHA High Cost Limit Conforming High Balance Limit |
$632,500 | $809,700 | $978,750 | $1,216,350 | 80% of AMI = $94,960 |
LAS ANIMAS FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
LINCOLN FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
LOGAN FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
MESA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $73,280 |
MINERAL FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
MOFFAT FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
MONTEZUMA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
MONTROSE FHA High Cost Limit Conforming High Balance Limit |
$561,200 | $718,450 | $868,400 | $1,079,250 | 80% of AMI = $72,720 |
MORGAN FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
OTERO FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
OURAY FHA High Cost Limit Conforming High Balance Limit |
$561,200 | $718,450 | $868,400 | $1,079,250 | 80% of AMI = $72,720 |
PARK FHA High Cost Limit Conforming High Balance Limit |
$816,500 $816,500 |
$1,045,250 | $1,263,500 | $1,570,200 | 80% of AMI = $100,400 |
PHILLIPS FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
PITKIN FHA High Cost Limit Conforming High Balance Limit |
$1,149,825 > Conforming |
$1,472,250 | $1,779,525 | $2,211,600 | 80% of AMI = $100,800 |
PROWERS FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
PUEBLO FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $66,160 |
RIO BLANCO FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
RIO GRANDE FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
ROUTT FHA High Cost Limit Conforming High Balance Limit |
$1,012,000 > Conforming |
$1,295,550 | $1,566,050 | $1,946,200 | 80% of AMI = $95,250 |
SAGUACHE FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
SAN JUAN FHA High Cost Limit Conforming High Balance Limit |
$517,500 | $662,500 | $800,800 | $995,200 | 80% of AMI = $78,400 |
SAN MIGUEL FHA High Cost Limit Conforming High Balance Limit |
$1,045,350 > Conforming |
$1,338,250 | $1,617,650 | $2,010,350 | 80% of AMI = $78,400 |
SEDGWICK FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
SUMMIT FHA High Cost Limit Conforming High Balance Limit |
$1,006,250 |
$1,288,200 | $1,557,150 | $1,935,150 | 80% of AMI = $102,640 |
TELLER FHA High Cost Limit Conforming High Balance Limit |
$517,500 | $662,500 | $800,800 | $995,200 | 80% of AMI = $84,00 |
WASHINGTON FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
WELD FHA High Cost Limit Conforming High Balance Limit |
$560,050 | $716,950 | $866,650 | $1,077,050 | 80% of AMI = $87,740 |
YUMA FHA Limit Conforming Limit |
$498,257 $766,550 |
$637,950 $981,500 |
$771,125 $1,186,350 |
$958,350 $1,474,400 |
80% of AMI = $72,720 |
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