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

County Name
One-Family
Two-Family
Three-Family
Four-Family
Adams
$596,850
$764,050
$923,600
$1,147,800
Alamosa
$356,362
$456,275
$551,500
$685,400
Arapahoe
$596,850
$764,050
$923,600
$1,147,800
Archuleta
$356,362
$456,275
$551,500
$685,400
Baca
$356,362
$456,275
$551,500
$685,400
Bent
$356,362
$456,275
$551,500
$685,400
Boulder
$654,350
$837,700
$1,012,550
$1,258,400
Broomfield
$596,850
$764,050
$923,600
$1,147,800
Chaffee
$391,000
$500,550
$605,050
$751,900
Cheyenne
$356,362
$456,275
$551,500
$685,400
Clear Creek
$596,850
$764,050
$923,600
$1,147,800
Conejos
$356,362
$456,275
$551,500
$685,400
Costilla
$356,362
$456,275
$551,500
$685,400
Crowley
$356,362
$456,275
$551,500
$685,400
Custer
$356,362
$456,275
$551,500
$685,400
Delta
$356,362
$456,275
$551,500
$685,400
Denver
$596,850
$764,050
$923,600
$1,147,800
Dolores
$356,362
$456,275
$551,500
$685,400
Douglas
$596,850
$764,050
$923,600
$1,147,800
Eagle
$822,250
$1,052,650
$1,272,400
$1,581,300
El Paso
$393,300
$503,500
$608,600
$756,350
Elbert
$596,850
$764,050
$923,600
$1,147,800
Fremont
$356,362
$456,275
$551,500
$685,400
Garfield
$822,250
$1,052,650
$1,272,400
$1,581,300
Gilpin
$596,850
$764,050
$923,600
$1,147,800
Grand
$529,000
$677,200
$818,600
$1,017,300
Gunnison
$408,250
$522,600
$631,750
$785,100
Hinsdale
$427,800
$547,650
$662,000
$822,700
Huerfano
$356,362
$456,275
$551,500
$685,400
Jackson
$356,362
$456,275
$551,500
$685,400
Jefferson
$596,850
$764,050
$923,600
$1,147,800
Kiowa
$356,362
$456,275
$551,500
$685,400
Kit Carson
$356,362
$456,275
$551,500
$685,400
La Plata
$448,500
$574,150
$694,000
$862,500
Lake
$356,362
$456,275
$551,500
$685,400
Larimer
$464,600
$594,750
$718,950
$893,450
Las Animas
$356,362
$456,275
$551,500
$685,400
Lincoln
$356,362
$456,275
$551,500
$685,400
Logan
$356,362
$456,275
$551,500
$685,400
Mesa
$356,362
$456,275
$551,500
$685,400
Mineral
$356,362
$456,275
$551,500
$685,400
Moffat
$356,362
$456,275
$551,500
$685,400
Montezuma
$356,362
$456,275
$551,500
$685,400
Montrose
$425,500
$544,700
$658,450
$818,250
Morgan
$356,362
$456,275
$551,500
$685,400
Otero
$356,362
$456,275
$551,500
$685,400
Ouray
$425,500
$544,700
$658,450
$818,250
Park
$596,850
$764,050
$923,600
$1,147,800
Phillips
$356,362
$456,275
$551,500
$685,400
Pitkin
$822,375
$1,053,000
$1,272,750
$1,581,750
Prowers
$356,362
$456,275
$551,500
$685,400
Pueblo
$356,362
$456,275
$551,500
$685,400
Rio Blanco
$356,362
$456,275
$551,500
$685,400
Rio Grande
$356,362
$456,275
$551,500
$685,400
Routt
$678,500
$868,600
$1,049,950
$1,304,850
Saguache
$356,362
$456,275
$551,500
$685,400
San Juan
$356,362
$456,275
$551,500
$685,400
San Miguel
$822,375
$1,053,000
$1,272,750
$1,581,750
Sedgwick
$356,362
$456,275
$551,500
$685,400
Summit
$822,375
$1,053,000
$1,272,750
$1,581,750
Teller
$393,300
$503,500
$608,600
$756,350
Washington
$356,362
$456,275
$551,500
$685,400
Weld
$428,950
$549,100
$663,750
$824,900
Yuma
$356,362
$456,275
$551,500
$685,400

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