Loan Limits / Colorado / Denver County
2026 Loan Limits · Colorado · DENVER-AURORA-CENTENNIAL, CO
Denver County, CO.
2026 conforming and FHA loan limits, calibrated to a median sales price of $750,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$750,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$862,500
High-cost
FHA 1u Limit
$862,500
Mid-tier
Jumbo Threshold
> $862,500
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $862,500 |
| 2-unit (duplex) | $1,104,150 |
| 3-unit (triplex) | $1,334,700 |
| 4-unit (fourplex) | $1,658,700 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $862,500 |
| 2-unit (duplex) | $1,104,150 |
| 3-unit (triplex) | $1,334,700 |
| 4-unit (fourplex) | $1,658,700 |
About this county
About Denver County
Denver is the capital and most populous city of the U.S. state of Colorado. Officially a consolidated city and county, it is located in the South Platte River valley on the western edge of the High Plains, and is just east of the Front Range of the Rocky Mountains (Rockies). Denver is the 19th-most populous city in the United States and the fifth-most populous state capital, with a population of 715,522 at the 2020 census. The ten-county Denver metropolitan area, with 3.1 million residents, is the 19th-largest metropolitan area in the country and functions as the economic and cultural center of the broader Front Range Urban Corridor. Read more on Wikipedia →
Population
713,734
U.S. Census ACS 2023
Median Household Income
$91,681
U.S. Census ACS 2023
Median Home Value (Census)
$586,700
Owner-occupied · ACS 2023
Owner-Occupancy Rate
49%
Of occupied housing
What these limits mean for buyers in Denver County
The 2026 conforming 1-unit limit for Denver County is $862,500. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Because Denver County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $862,500. The HUD CHUMS table pegs the median sales price for Denver County at $750,000. Denver County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Denver County ($750,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Denver County 2-, 3-, and 4-unit conforming limits are $1,104,150, $1,334,700, and $1,658,700 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Denver County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.