FHA Loan Limits in Colorado 2025

If you’re planning to buy a home in Colorado using an FHA loan, it’s important to understand how FHA loan limits work. These limits affect how much you can borrow based on where you’re buying and the type of property you’re purchasing.

Here’s a simple explanation of FHA loan limits in Colorado for 2025.

What are FHA loan limits?

FHA loan limits are the maximum loan amounts you can borrow using an FHA loan. These limits are set by the Federal Housing Administration and adjust each year based on changes in home prices. Since home values have continued to increase in many parts of Colorado, FHA loan limits have risen over the years to reflect that.

2025 FHA loan limits in Colorado

For 2025, FHA loan limits vary depending on the county you’re buying in. Here are some examples for single-family homes:

  • Most counties in Colorado: $498,257
  • Higher-cost counties like the Denver metro area, Arapahoe County, Douglas County, Boulder, and others: up to $816,500

For buyers in Centennial, Castle Rock, Parker, Highlands Ranch, and most of the Denver metro, the higher limit typically applies. For homes in more rural or affordable areas, the lower limit may apply.

If you want to check the loan limit for a specific county, you can use the official HUD Loan Limit Lookup Tool.

FHA loan limits by property type

FHA loan limits are higher if you’re buying a multi-unit property:

  • 2-unit, 3-unit, and 4-unit homes all have separate higher limits.
  • This can be helpful if you’re buying a multi-family property and plan to live in one unit while renting the others.

We can help you look up the exact limit based on your property type and location.

Why FHA loan limits matter

Knowing the FHA loan limit helps you figure out:

  • The maximum loan amount you can get using FHA financing
  • Whether you may need to look at a different loan option, like a conventional or jumbo loan, if you’re buying above the limit
  • What price range makes sense for your home search

What if you need to borrow more than the FHA limit?

If you’re looking at a home above the FHA limit for your area, don’t worry — there are plenty of other loan options available, including:

  • Conventional loans with higher loan limits
  • Jumbo loans for higher-priced homes
  • Combination loans or creative solutions we can explore together

We help buyers across Colorado understand FHA loan limits

Whether you’re buying in Centennial, Denver, Castle Rock, Parker, Highlands Ranch, or anywhere in Colorado, we’ll help you navigate FHA guidelines, loan limits, and find the best loan option based on your situation.

If you’re ready to take the next step or want to see what you qualify for, call or text us at 303-670-0137, email rbaxter@choicemortgage.com, or request a custom quote.

Posted in Blog, Home Purchase