Denver County, CO
Denver County 2026 loan limits. $862,500
The 2026 conforming loan limit for Denver County is $862,500 for a single-family home — here's exactly what that means for your purchase.
What is the 2026 conforming loan limit in Denver County, CO?
For a one-unit home in Denver County, the 2026 conforming loan limit is $862,500 — above the $832,750 national baseline, because Denver County is designated a high-cost area. A loan at or below $862,500 can typically be financed as a conventional conforming loan; borrowing above that figure generally means moving into jumbo territory, which carries its own underwriting guidelines. FHA's 2026 limit here is $862,500, the same ceiling. Exact eligibility depends on your full file — verify your scenario with a broker.
Denver County by unit count.
Denver County, Colorado is a high-cost county for 2026 conforming loan limits. Its $862,500 ceiling sits above the $832,750 national baseline that applies to most of the country. Figures per the FHFA 2026 conforming loan limit list; verify your scenario with us.
FHA sets its own 2026 limit for Denver County: $862,500 for a single-family home, matching the conforming ceiling here exactly. Per HUD's 2026 FHA county limits.
Conforming, jumbo, or FHA?
Buying at or below $862,500 in Denver County keeps you in conventional conforming territory — generally the widest lender pool and the most competitive pricing. Cross above that number and you're shopping jumbo financing instead, which is common and workable, just governed by its own down payment and reserve guidelines. If a smaller down payment matters more than loan size, the FHA limit here is $862,500 — worth comparing against a conventional loan for the same purchase.
Where we work in Denver County.
Denver — all sit inside Denver County, so all of them use the $862,500 limit above. Every Colorado city we cover →
Denver County loan limits: common questions
What's the 2026 conforming loan limit for a single-family home in Denver County, CO?
$862,500 for one unit, per FHFA's 2026 county loan limit list. Denver County is a high-cost area, so this sits above the $832,750 national baseline.
What are the 2026 conforming limits for 2-4 unit properties in Denver County?
Two-unit: $1,104,150. Three-unit: $1,334,700. Four-unit: $1,658,700. All per FHFA's 2026 county loan limit list.
What's the FHA loan limit in Denver County for 2026?
$862,500 for a single-family home, per HUD's 2026 county limits. That matches the conforming ceiling here exactly — common in high-cost counties.
Is Denver County, CO a high-cost area for mortgage purposes?
Yes. FHFA designates Denver County as high-cost for 2026, which is why its $862,500 conforming limit sits above the $832,750 national baseline.
What if I need to borrow more than the conforming limit in Denver County?
A loan above $862,500 in Denver County is a jumbo loan — it's a normal, common path for higher-priced purchases, just with its own down payment, credit, and reserve guidelines. We shop jumbo lenders the same way we shop conforming ones.
Conforming limits per the FHFA 2026 conforming loan limit list · FHA limits per HUD's 2026 county limits. General education, not a loan offer or a commitment to lend — every scenario differs. Choice Home Mortgage · NMLS #2629064 · CA DRE #01822046.
Ready to buy in Denver County?
Tell us your target price against the $862,500 limit — we'll tell you honestly whether you're conforming, high-balance, or jumbo, and shop lenders accordingly.