Colorado FHA Loans at a Glance: just 3.5% down · FICO from 580 · Denver-metro limit $862,500, resorts to $1,249,125 · pairs with a CHFA grant · NMLS #1826020
Colorado FHA Home Loans · Direct Lender Since 1998

FHA Loans Colorado

Buy a Colorado home with as little as 3.5% down and a credit score from 580. From the Denver metro’s $862,500 limit to full $1,249,125 ceilings in Aspen, Vail and Steamboat, FHA has real reach across the state – and it pairs with a CHFA down-payment grant you never repay.

  • 3.5% down with a 580+ FICO (10% down from 500-579)
  • Denver-metro FHA limit of $862,500; resort counties to $1,249,125
  • Pair a CHFA 3% grant – no repayment required
  • Great for Front Range, mountain-town and workforce buyers
  • Gift funds welcome; seller can pay up to 6% of closing costs

Start My Colorado FHA Application →

Get Pre-Approved for a Colorado FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

★ 3.5% down★ 580 credit OK★ CHFA grant★ Denver limit $862,500★ First-time friendly★ Serving CO since 1998

Why an FHA loan works in Colorado

An FHA loan is a government-insured mortgage that helps Colorado buyers qualify with flexible credit, a low down payment and higher debt-to-income than conventional financing. With the Denver metro at a uniform $862,500 limit, FHA reaches deep into the suburbs.

Colorado pairs a strong Denver-metro job base with high-cost resort counties, and FHA works in both. Whether you are buying your first home in Aurora or workforce housing in the high country, an FHA loan – stacked with CHFA assistance – gets you to closing with less cash down. Start your application →

2026 Colorado FHA loan limits by county

FHA loan limits are set by county. The Denver metro shares a single elevated limit, resort counties run to the ceiling, and lower-cost areas sit near the floor:

Denver metro (1-unit)$862,500 across the 10-county metro (Denver, Adams, Arapahoe, Broomfield, Douglas, Jefferson, Elbert, Park, Clear Creek, Gilpin)
Resort ceiling counties (1-unit)$1,249,125 (Eagle/Vail, Pitkin/Aspen, Garfield)
Summit / Routt / San Miguel (1-unit)$1,092,500 (Breckenridge) / $1,089,050 (Steamboat) / $1,045,350 (Telluride)
Boulder / Grand – Winter Park (1-unit)$879,750 / $883,200
Larimer – Fort Collins / Weld – Greeley (1-unit)$634,800 / $575,000
Standard counties incl. El Paso – Colorado Springs (1-unit)$541,287-$541,650

2026 one-unit FHA limits set annually by HUD; 2-4 unit limits are higher. We confirm the exact limit for your Colorado county before you write an offer.

Ready to see how much home you can buy in Colorado with 3.5% down? Get pre-approved today.
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Colorado FHA loan requirements at a glance (2026)

How little you can put down3.5% with a 580 score – or 10% if your score is between 500 and 579
Score you need580 to start; we also coach borrowers who are rebuilding their credit
What MIP costs1.75% upfront (financed) and an annual premium near 0.15%-0.55% paid monthly
Debt-to-income roomOften 43%-50% with strong compensating factors and automated underwriting
Funding your down paymentPersonal savings, gift funds from relatives, or approved assistance programs
Seller-paid costsUp to 6% of the price can be contributed by the seller toward closing
Homes you can buySingle-family Colorado homes, approved condos and townhomes, and owner-occupied 2-4 units
Occupancy ruleFHA is for the home you will live in as your primary residence
Qualifying with helpNon-occupant co-borrowers are welcome to strengthen your application

Colorado down payment assistance you can pair with FHA

Your FHA loan pairs with the Colorado Housing and Finance Authority (CHFA), including a true grant that never has to be repaid:

CHFA DPA Grant

Up to 3% of the first mortgage (capped around $25,000) as a true grant – no repayment – when paired with a CHFA first mortgage.

CHFA DPA Second Mortgage

Up to 4% (capped around $25,000) as a 0% deferred second, repaid only when you sell, refinance or pay off.

CHFA FirstStep / SmartStep

FirstStep FHA loans for first-time buyers and targeted areas; SmartStep for non-first-time buyers – both deliver the DPA.

CHFA HomeAccess

A deferred second up to $25,000 for buyers with a disability or a disabled household member.

Who qualifies

CHFA-approved homebuyer education, plus income and purchase-price limits; choose the grant or the second, not both.

Gift funds & seller credits

Combine gift funds and up to 6% in seller credits with FHA and CHFA help to cut cash to close.

Ask about the CHFA 3% grant – down-payment help you never repay.
See If You Qualify

Assistance programs have income, price and funding limits, are first-come while funds last, and are subject to change and eligibility. We confirm what you qualify for.

First-time buyer, family, or 55+ mover – we have a Colorado FHA program for you.
Start My Application

Calculate your Colorado FHA loan

Use these quick Colorado FHA estimators to size up your payment and buying power, then apply for exact, personalized figures.

1. FHA monthly payment

Estimate your full monthly payment including FHA mortgage insurance.

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Total monthly payment
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Principal, interest & MIP

2. Down payment & cash to close

See your down payment and estimated cash after seller credits.

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Estimated cash to close
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Down payment amount

3. How much home can I afford?

Estimate your FHA price range from income and monthly debts.

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Estimated home price
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Max housing payment

4. FHA loan amount + MIP

See your base loan plus the 1.75% upfront MIP financed in.

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Total financed (with UFMIP)
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Base loan / 1.75% UFMIP

Estimates only and not a commitment to lend. FHA charges 1.75% upfront MIP (financed) plus a monthly annual premium (~0.55% here for illustration). Actual figures depend on your property, credit and qualification.

Pair a CHFA grant with FHA - help you never repay.
See If I Qualify
Buy a Colorado home with an FHA loan - apply nowYour Colorado home is closer than you think →

Colorado FHA at a glance

  • Only 3.5% down required to get into a Colorado home
  • A 580 FICO is enough - and we help buyers rebuilding credit
  • Down payment can come from CHFA help or family gifts
  • Eligible on homes, condos and 1-4 unit owner-occupied properties
  • Refinance later with a fast FHA Streamline, no appraisal

Get My FHA Pre-Approval →

Family-friendly Colorado: best schools

School quality drives long-term home value. These Colorado areas are among the best-regarded in the state:

Cherry Creek School District (Arapahoe)

Top-rated schools across Aurora, Centennial and Greenwood Village.

Douglas County (Castle Rock, Highlands Ranch, Parker)

Fast-growing, highly rated suburban district south of Denver.

Boulder Valley

Excellent schools anchored by CU-Boulder and a strong job base.

Academy District 20 (Colorado Springs)

One of the state's best districts on the north side of the Springs.

St. Vrain Valley (Longmont)

Well-regarded, growing district along the northern Front Range.

Poudre / Fort Collins

Top northern-Colorado schools in a popular college town.

Popular Colorado active-adult (55+) communities

Downsizing to an active-adult community in Colorado? FHA works there too (condos must be FHA-approved). Notable options:

Anthem Ranch by Del Webb (Broomfield)

Large active-adult community with mountain views and resort amenities.

Heritage Todd Creek (Thornton)

Golf-course 55+ living north of Denver.

Heritage Eagle Bend (Aurora)

Gated active-adult golf community in the southeast metro.

Solstice (Denver / Adams)

Newer active-adult neighborhoods in a master-planned setting.

Skyestone (Broomfield)

Lower-maintenance 55+ homes with foothills views.

Del Webb communities (Front Range)

Trusted active-adult neighborhoods across the metro.

Where we lend in Colorado

From the big metros to small towns, we lend statewide. A sampling of the Colorado cities where we close FHA loans:

  • Denver
  • Colorado Springs
  • Aurora
  • Fort Collins
  • Lakewood
  • Boulder
  • Greeley
  • Longmont
  • Pueblo
  • Castle Rock
  • Centennial
  • Loveland
  • Thornton
  • Arvada
  • Westminster
  • Parker
  • Grand Junction
  • Broomfield
  • Littleton
  • Commerce City

Do not see your city? Start your application → - we lend statewide across Colorado.

Get your Colorado FHA loan moving

First-time buyer, growing family or downsizing to a 55+ community, we line up the best Colorado FHA program and get you pre-approved quickly with just 3.5% down.

  • Fast, no-obligation pre-approval
  • Gift funds and state DPA welcome
  • Hands-on Colorado help from application to closing

Apply for My Colorado FHA Loan →

Apply for your Colorado FHA home loanGet pre-approved with 3.5% down →

The 2027 Colorado FHA outlook

Here is where the Colorado market is heading into 2027 for FHA buyers:

Denver's uniform $862,500 limit

The single metro-wide limit gives FHA real reach across the suburbs, backed by a steady tech and aerospace job base.

Resort-county reach

Eagle, Pitkin, Summit and Routt carry ceiling or near-ceiling limits - FHA is viable for local workforce and deed-restricted buyers.

Northern Front Range growth

Fort Collins, Greeley and Loveland keep pushing Larimer and Weld limits up as new construction adds supply.

CHFA's grant stands out

A true 3% grant is a powerful closing tool as prices plateau after the 2025 dip.

Outlook only, not a guarantee or financial advice. Market conditions change; we give you current, personalized numbers when you apply.

Colorado FHA programs we offer

FHA home purchase

The 3.5%-down path to a Colorado primary residence - homes, condos and 2-4 units.

Rate/term streamline

Refinance an existing FHA loan to a better rate with minimal paperwork.

Renovation (203k)

One FHA loan that covers both the home and the repairs it needs.

Equity cash-out

Convert Colorado home equity to cash up to the FHA loan limit.

Approved-condo loans

Financing across FHA-approved Colorado condominium communities.

Assistance + gifts

Combine Colorado down-payment programs and family gifts to buy for less.

How the Colorado FHA process works

Apply and get pre-approved

Fill out the quick application; we confirm budget, rate and down payment fast.

Go house-hunting

Search the Colorado neighborhoods and schools you love with a stronger offer in hand.

Underwriting

We order the FHA appraisal and clear your file with common-sense underwriting.

Move in

Sign at closing, take the keys, and settle into your new Colorado home.

Colorado FHA loan questions, answered

What are the 2026 FHA loan limits in Colorado?

The Denver metro is a uniform $862,500 for a one-unit home. Resort counties run higher - $1,249,125 in Eagle (Vail), Pitkin (Aspen) and Garfield, $1,092,500 in Summit, $1,089,050 in Routt (Steamboat). Boulder is $879,750, Fort Collins $634,800, and standard counties including Colorado Springs are near the $541,287 floor.

Does Colorado offer a down-payment grant with FHA?

Yes - CHFA offers a DPA Grant of up to 3% of the first mortgage (about $25,000 cap) that is never repaid, or a DPA Second Mortgage up to 4% that is deferred. Both pair with a CHFA FHA first mortgage; you choose one.

How little can I put down on an FHA loan in Colorado?

As little as 3.5% with a 580 score (10% from 500-579). That down payment can come from your savings, a family gift, or eligible assistance.

Can I buy a Colorado condo with FHA?

Yes, as long as the condo is on the FHA-approved list or qualifies for single-unit approval - we will confirm your building before you write an offer.

Is an FHA loan right for first-time buyers in Colorado?

For most first-timers, yes - 3.5% down, flexible 580 credit, gift funds, and it combines with CHFA down-payment assistance to shrink your out-of-pocket cost.

Does CambridgeHomeLoan.com lend directly?

Yes - we are a direct FHA lender (NMLS #1826020), serving homebuyers since 1998 with hands-on guidance start to finish.

Get pre-approved for your Colorado FHA loan

Start your Colorado FHA pre-approval now - low 3.5% down, flexible 580 credit, gift funds and state assistance accepted. Direct lender, no obligation, since 1998.

Get Pre-Approved for a Colorado FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

Start My Application →

Serving Colorado homebuyers Since 1998!
© 2026 CambridgeHomeLoan.com  ·  NMLS #1826020  ·  4830 W Kennedy Blvd, Tampa, FL 33609  ·  (800) 826-5077  ·  Equal Housing Lender  ·  NMLS Consumer Access

Rates, terms, FHA loan limits and program guidelines are for 2026, subject to change, and depend on the property, credit and qualification. Not a commitment to lend. This is not a government agency. Equal Housing Lender.


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