Colorado FHA Loan Limits 2022
The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.
You’ll notice that most Colorado counties have an FHA Loan Limit of 420,680 for a single-family home. Higher-priced areas in Colorado such as Boulder, Eagle, Garfield, Pitkin, San Miguel, and Summit County all have FHA loan limits above 700,000. This is because of higher-priced homes. Other counties fall somewhere in between these “floor” and “ceiling” amounts.
See the table below for 2022 FHA Loan Limits in all Colorado Counties.
2022 FHA Loan Limits for All Colorado Counties
The table below contains the 2022 FHA Loan limits for all counties in Colorado, listed in alphabetical order. In this table, “1 unit” refers to a single-family home, “2 unit” refers to a duplex-style home with two separate residents, and so on.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
| ADAMS | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| ALAMOSA | $420,680 | $538,650 | $651,050 | $809,150 |
| ARAPAHOE | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| ARCHULETA | $420,680 | $538,650 | $651,050 | $809,150 |
| BACA | $420,680 | $538,650 | $651,050 | $809,150 |
| BENT | $420,680 | $538,650 | $651,050 | $809,150 |
| BOULDER | $747,500 | $956,950 | $1,156,700 | $1,437,500 |
| BROOMFIELD | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| CHAFFEE | $461,150 | $590,350 | $713,600 | $886,850 |
| CHEYENNE | $420,680 | $538,650 | $651,050 | $809,150 |
| CLEAR CREEK | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| CONEJOS | $420,680 | $538,650 | $651,050 | $809,150 |
| COSTILLA | $420,680 | $538,650 | $651,050 | $809,150 |
| CROWLEY | $420,680 | $538,650 | $651,050 | $809,150 |
| CUSTER | $420,680 | $538,650 | $651,050 | $809,150 |
| DELTA | $420,680 | $538,650 | $651,050 | $809,150 |
| DENVER | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| DOLORES | $420,680 | $538,650 | $651,050 | $809,150 |
| DOUGLAS | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| EAGLE | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| EL PASO | $460,000 | $588,850 | $711,800 | $884,600 |
| ELBERT | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| FREMONT | $420,680 | $538,650 | $651,050 | $809,150 |
| GARFIELD | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| GILPIN | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| GRAND | $534,750 | $684,550 | $827,500 | $1,028,350 |
| GUNNISON | $431,250 | $552,050 | $667,350 | $829,350 |
| HINSDALE | $427,800 | $547,650 | $662,000 | $822,700 |
| HUERFANO | $420,680 | $538,650 | $651,050 | $809,150 |
| JACKSON | $420,680 | $538,650 | $651,050 | $809,150 |
| JEFFERSON | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| KIOWA | $420,680 | $538,650 | $651,050 | $809,150 |
| KIT CARSON | $420,680 | $538,650 | $651,050 | $809,150 |
| LA PLATA | $494,500 | $633,050 | $765,200 | $950,950 |
| LAKE | $420,680 | $538,650 | $651,050 | $809,150 |
| LARIMER | $522,100 | $668,400 | $807,900 | $1,004,050 |
| LAS ANIMAS | $420,680 | $538,650 | $651,050 | $809,150 |
| LINCOLN | $420,680 | $538,650 | $651,050 | $809,150 |
| LOGAN | $420,680 | $538,650 | $651,050 | $809,150 |
| MESA | $420,680 | $538,650 | $651,050 | $809,150 |
| MINERAL | $420,680 | $538,650 | $651,050 | $809,150 |
| MOFFAT | $420,680 | $538,650 | $651,050 | $809,150 |
| MONTEZUMA | $420,680 | $538,650 | $651,050 | $809,150 |
| MONTROSE | $425,500 | $544,700 | $658,450 | $818,250 |
| MORGAN | $420,680 | $538,650 | $651,050 | $809,150 |
| OTERO | $420,680 | $538,650 | $651,050 | $809,150 |
| OURAY | $425,500 | $544,700 | $658,450 | $818,250 |
| PARK | $684,250 | $875,950 | $1,058,850 | $1,315,900 |
| PHILLIPS | $420,680 | $538,650 | $651,050 | $809,150 |
| PITKIN | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| PROWERS | $420,680 | $538,650 | $651,050 | $809,150 |
| PUEBLO | $420,680 | $538,650 | $651,050 | $809,150 |
| RIO BLANCO | $420,680 | $538,650 | $651,050 | $809,150 |
| RIO GRANDE | $420,680 | $538,650 | $651,050 | $809,150 |
| ROUTT | $678,500 | $868,600 | $1,049,950 | $1,304,850 |
| SAGUACHE | $420,680 | $538,650 | $651,050 | $809,150 |
| SAN JUAN | $420,680 | $538,650 | $651,050 | $809,150 |
| SAN MIGUEL | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| SEDGWICK | $420,680 | $538,650 | $651,050 | $809,150 |
| SUMMIT | $925,750 | $1,185,150 | $1,432,550 | $1,780,300 |
| TELLER | $460,000 | $588,850 | $711,800 | $884,600 |
| WASHINGTON | $420,680 | $538,650 | $651,050 | $809,150 |
| WELD | $483,000 | $618,300 | $747,400 | $928,850 |
| YUMA | $420,680 | $538,650 | $651,050 | $809,150 |
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Why should you choose us for your home loan?
We work for you & not the bank, we offer wholesale mortgage rates which are lower than retail rates not to mention, we offer a wide variety of loan options so you’re not stuck with one set of restrictive underwriting guidelines.
Credit scores a little low?
We have a credit score analyzing tool that can provide us with options to improve your credit scores quickly through a rapid credit rescore that usually takes 48 hours.
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Our “Outside The Box Thinking” gets home loans approved and closed every day! From Bank Statement as Income loans to 50% debt to income ratio approvals, we do them all.
We’ve streamlined the mortgage process, and close in 30 days or less.
From application to closing, all from the palm of your hand.
Expert advice at your fingertips
Our home loan experts are available 7 days a week to answer all your home loan questions. We don’t keep bankers’ hours…. we understand that you have busy schedules, that’s why we’re available nights and weekends.
Eddie Hoskins Founder & CEO
Providing our customers with the lowest rates, personalized service, and loan options that you don’t get from big box lenders or banks. That’s he built E Zip Mortgage.
Why should you choose us for your home loan?
We work for you & not the bank, we offer wholesale mortgage rates which are lower than retail rates not to mention, we offer a wide variety of loan options so you’re not stuck with one set of restrictive underwriting guidelines.
Credit scores a little low?
We have a credit score analyzing tool that can provide us with options to improve your credit scores quickly through a rapid credit rescore that usually takes 48 hours.
“We Think Outside The Box”
Our “Outside The Box Thinking” gets home loans approved and closed every day! From Bank Statement as Income loans to 50% debt to income ratio approvals, we do them all.
We’ve streamlined the mortgage process, close in 30 days or less.
From application to closing, all from the palm of your hand.