2026 limits · 64 counties
Colorado 2026 loan limits for duplexes, triplexes and fourplexes
In Colorado, the 2026 FHA limit for a fourplex runs from $1,041,125 to $2,402,625. 35 of 64 counties sit at the national floor; the highest is Eagle County, Garfield County, Pitkin County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,402,625 in 20 high-cost counties.
$693,050 to $1,599,375FHA, 2 units
$1,041,125 to $2,402,625FHA, 4 units
29counties above FHA's floor
$2,402,625highest conforming limit, 4 units
Every county in Colorado
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Adams County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Alamosa County Alamosa, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Arapahoe County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Archuleta County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baca County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bent County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boulder County high-cost Boulder, CO | $1,126,250 | $1,361,350 | $1,691,850 | $1,126,250 | $1,361,350 | $1,691,850 |
| Broomfield County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Chaffee County high-cost | $912,750 | $1,103,350 | $1,371,150 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cheyenne County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clear Creek County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Conejos County Alamosa, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Costilla County Alamosa, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crowley County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Custer County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Delta County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Denver County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Dolores County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Eagle County high-cost Edwards, CO | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| El Paso County high-cost Colorado Springs, CO | $693,400 | $838,150 | $1,041,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Elbert County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Fremont County Canon City, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County high-cost Rifle, CO | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Gilpin County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Grand County high-cost | $1,130,650 | $1,366,700 | $1,698,500 | $1,130,650 | $1,366,700 | $1,698,500 |
| Gunnison County high-cost | $956,950 | $1,156,700 | $1,437,500 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hinsdale County high-cost | $721,400 | $872,000 | $1,083,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Huerfano County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Kiowa County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kit Carson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| La Plata County high-cost Durango, CO | $956,950 | $1,156,700 | $1,437,500 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County high-cost Breckenridge, CO | $1,398,600 | $1,690,600 | $2,101,000 | $1,398,600 | $1,690,600 | $2,101,000 |
| Larimer County high-cost Fort Collins-Loveland, CO | $812,650 | $982,300 | $1,220,800 | $1,066,250 | $1,288,800 | $1,601,750 |
| Las Animas County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Logan County Sterling, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mesa County Grand Junction, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mineral County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Moffat County high-cost Steamboat Springs, CO | $1,394,200 | $1,685,250 | $2,094,350 | $1,394,200 | $1,685,250 | $2,094,350 |
| Montezuma County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montrose County Montrose, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County Fort Morgan, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Otero County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ouray County high-cost | $961,350 | $1,162,050 | $1,444,150 | $1,066,250 | $1,288,800 | $1,601,750 |
| Park County high-cost Denver-Aurora-Centennial, CO | $1,104,150 | $1,334,700 | $1,658,700 | $1,104,150 | $1,334,700 | $1,658,700 |
| Phillips County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pitkin County high-cost Rifle, CO | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Prowers County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pueblo County Pueblo, CO | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rio Blanco County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rio Grande County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Routt County high-cost Steamboat Springs, CO | $1,394,200 | $1,685,250 | $2,094,350 | $1,394,200 | $1,685,250 | $2,094,350 |
| Saguache County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Juan County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Miguel County high-cost | $1,338,250 | $1,617,650 | $2,010,350 | $1,273,450 | $1,539,350 | $1,913,000 |
| Sedgwick County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Summit County high-cost Breckenridge, CO | $1,398,600 | $1,690,600 | $2,101,000 | $1,398,600 | $1,690,600 | $2,101,000 |
| Teller County high-cost Colorado Springs, CO | $693,400 | $838,150 | $1,041,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Weld County high-cost Greeley, CO | $736,100 | $889,800 | $1,105,800 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuma County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 35 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Eagle County | $1,657,383 | $2,003,316 | $2,489,766 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Colorado
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $1,249,125 in Colorado. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.