Colorado FHA Loan Limits for 2021

The Federal Housing Agency (FHA) has increased the amount of money that can be borrowed through its mortgage programs by nearly $25k in most Colorado counties. In high-cost locations, the increase is even greater. New limits will take effect in 2021.

The increases will allow more Colorado borrowers to take advantage of FHA’s benefits:

  • Low down payment options

  • Lower total cash-to-close requirements with gift or seller contributions

  • More lenient and streamlined refinancing

  • Ability to combine purchase and rehab financing

  • In some high-cost areas, higher loan limits than conventional mortgages

Here are the specifics:

  • In most Colorado counties, the FHA loan limit will be $356,362, a 7.4% increase over 2020’s limit of $331,760.

  • In high-cost Colorado counties, the limit moves to $822,375, a 7.4% increase over 2020's $765,600.

  • In some lower-cost areas or those with higher costs of construction, limits will vary.

If you have questions about what this change could mean for you, please contact us

Our team is here to answer any questions you have.


We can help you understand more about:

  • Loan Programs

  • Current Rates

  • The loan process

  • What you'll need for your application

  • What to expect after you complete your application

At Security First Financial, we’re dedicated to ensuring that each customer has a great experience. Our local home loan originators have decades of combined experience in the mortgage industry and can help you find the right mortgage based on your needs. We are happy to answer any questions you may have along the way to make sure your mortgage loan process is a good one from start to finish. Contact Us Today To Get Started

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Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS ID# 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Colorado – Regulated by the Division of Real Estate, UCCC #987701-016. Arizona – Arizona Department of Financial Institutions 0902614. Massachusetts – Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. Florida - Florida Office of Financial Regulation MLD646.


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