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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in CO - Colorado FHA Mortgage

Colorado Mortgages

2024 FHA Loan Limits for Colorado

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Colorado are below.

Select County
County Name One Family Two Family Three Family Four Family
Adams One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Alamosa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Arapahoe One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Archuleta One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Baca One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bent One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boulder One Family$856,750 Two Family$1,096,800 Three Family$1,325,800 Four Family$1,647,650
Broomfield One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Chaffee One Family$632,500 Two Family$809,700 Three Family$978,750 Four Family$1,216,350
Cheyenne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clear Creek One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Conejos One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Costilla One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crowley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Custer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Delta One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Denver One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Dolores One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Douglas One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Eagle One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
El Paso One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
Elbert One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Fremont One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Garfield One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Gilpin One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Grand One Family$747,500 Two Family$956,950 Three Family$1,156,700 Four Family$1,437,500
Gunnison One Family$633,650 Two Family$811,200 Three Family$980,550 Four Family$1,218,550
Hinsdale One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Huerfano One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Kiowa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kit Carson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
La Plata One Family$655,500 Two Family$839,150 Three Family$1,014,350 Four Family$1,260,600
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Larimer One Family$632,500 Two Family$809,700 Three Family$978,750 Four Family$1,216,350
Las Animas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Logan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mesa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mineral One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Moffat One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montezuma One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montrose One Family$561,200 Two Family$718,450 Three Family$868,400 Four Family$1,079,250
Morgan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Otero One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ouray One Family$561,200 Two Family$718,450 Three Family$868,400 Four Family$1,079,250
Park One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Phillips One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pitkin One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Prowers One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pueblo One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rio Blanco One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rio Grande One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Routt One Family$1,012,000 Two Family$1,295,550 Three Family$1,566,050 Four Family$1,946,200
Saguache One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
San Juan One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
San Miguel One Family$1,045,350 Two Family$1,338,250 Three Family$1,617,650 Four Family$2,010,350
Sedgwick One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Summit One Family$1,006,250 Two Family$1,288,200 Three Family$1,557,150 Four Family$1,935,150
Teller One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Weld One Family$560,050 Two Family$716,950 Three Family$866,650 Four Family$1,077,050
Yuma One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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