Tools
2026 Colorado Loan Limits by County
Look up the 2026 conforming and FHA loan limits for all 64 Colorado counties.
What to know in Colorado
- 20 of Colorado's 64 counties have 2026 conforming limits above the $832,750 national baseline, from $862,500 in the Denver metro to $1,249,125 in Eagle County.
- Knowing your county's conforming limit can save you from jumbo loan requirements and their higher qualification standards.
- FHA limits in Colorado's high-cost counties can be significantly higher than the national floor, expanding options for first-time buyers.
Frequently asked questions
$832,750 in most counties. 20 of the 64 counties are higher, topping out at $1,249,125 in Eagle County. Use the lookup above for your county.
Counties where median home prices exceed the national baseline are designated as 'high-cost areas' and receive higher conforming loan limits. Colorado's mountain resort counties—including Eagle (Vail), Pitkin (Aspen), Summit (Breckenridge), and San Miguel (Telluride)—typically qualify for the highest limits.
Loans exceeding the conforming limit for your county are classified as jumbo loans. Jumbo loans often require higher down payments (10%–20%), higher credit scores (700+), and may have slightly different interest rates. Cedar Home Loans specializes in jumbo mortgages for Colorado mountain properties.
Yes. HUD sets FHA limits separately, and in many Colorado counties they're lower than the conforming limit. In 2026 they range from $541,287 to $1,249,125. The lookup shows both for every county.
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