What Are Conforming Loan Limits?
Conforming loan limits are the maximum loan amounts that Fannie Mae and Freddie Mac will purchase or guarantee. Loans within these limits are eligible for conforming pricing. Loans exceeding these limits are classified as jumbo loans, which may have different rate and qualification requirements. The Federal Housing Finance Agency (FHFA) adjusts these limits annually based on home price changes.
2026 Colorado County Limits
In 2026 the conforming limit for a single-family home is $832,750 in most Colorado counties, $862,500 in the Denver metro, $879,750 in Boulder County, $994,750 in San Miguel (Telluride), $1,089,050 in Routt (Steamboat), $1,092,500 in Summit (Breckenridge, Keystone), $1,209,750 in Pitkin (Aspen) and Garfield, and $1,249,125 in Eagle County (Vail, Beaver Creek). Loan amounts above your county's limit are jumbo loans.
When You Need a Jumbo Loan
If your loan amount exceeds your county's conforming limit, you need jumbo financing. At the $832,750 baseline, that means purchases above about $1,040,900 with 20% down, or about $925,300 with 10% down. In Eagle County ($1,249,125), the thresholds are about $1,561,400 with 20% down and $1,387,900 with 10% down. In Colorado's mountain markets where average prices range from $800K to $5M+, jumbo loans are extremely common. Cedar Home Loans is a jumbo loan specialist with competitive rates and flexible terms.
FHA Loan Limits in Colorado
2026 FHA loan limits in Colorado range from $541,287 in most counties to $862,500 in the Denver metro, $879,750 in Boulder County, and up to $1,249,125 in Eagle, Garfield and Pitkin counties. FHA loans require just 3.5% down and are popular with first-time buyers in markets like Denver, Colorado Springs, and Fort Collins where home prices are within FHA limits.
VA Loan Limits
As of 2020, VA loans no longer have a maximum loan amount for eligible veterans with full entitlement. This means qualified veterans can finance homes at any price point with zero down payment. For veterans with reduced entitlement (typically those with an existing VA loan), county-specific limits still apply. Colorado's military community — particularly in Colorado Springs — benefits enormously from this change.
Updated . Figures are general guidance and vary by lender, property and borrower. Call us for numbers that fit your situation.
