2026 Conforming Loan Limits by County in Colorado
In 2026, 20 of Colorado's 64 counties have conforming loan limits above the national baseline of $832,750 for a one-unit home, up to the high-cost ceiling of $1,249,125. The other 44 use the baseline.
Colorado county limits
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adams County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Alamosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Arapahoe County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Archuleta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baca County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boulder County High-cost | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| Broomfield County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Chaffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cheyenne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clear Creek County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Conejos County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Costilla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crowley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Delta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Denver County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Dolores County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Eagle County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| El Paso County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Elbert County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County High-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Gilpin County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Grand County High-cost | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 |
| Gunnison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hinsdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Huerfano County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Kiowa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kit Carson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| La Plata County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County High-cost | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Larimer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Las Animas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mesa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mineral County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Moffat County High-cost | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| Montezuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montrose County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Otero County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ouray County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Park County High-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Phillips County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pitkin County High-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Prowers County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pueblo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rio Blanco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rio Grande County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Routt County High-cost | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| Saguache County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Juan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Miguel County High-cost | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| Sedgwick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Summit County High-cost | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Teller County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Weld County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
What these limits mean
A conforming loan is one that meets Fannie Mae and Freddie Mac's size limit and guidelines, so they can buy it from the lender.
A loan at or below $832,750 for one unit is a standard conforming loan. In a high-cost county, a loan above that up to the county limit is a high-balance conforming loan. Above the county limit, it's a jumbo loan.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
Colorado counties with their own page
- Adams County: $862,500
- Arapahoe County: $862,500
- Boulder County: $879,750
- Broomfield County: $862,500
- Clear Creek County: $862,500
- Denver County: $862,500
- Douglas County: $862,500
- Eagle County: $1,249,125
- Elbert County: $862,500
- Garfield County: $1,209,750
- Gilpin County: $862,500
- Grand County: $883,200
- Jefferson County: $862,500
- Lake County: $1,092,500
- Moffat County: $1,089,050
- Park County: $862,500
- Pitkin County: $1,209,750
- Routt County: $1,089,050
- San Miguel County: $994,750
- Summit County: $1,092,500
Other states
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.