The maximum FHA loan limit for Denver, Colorado will go up in 2018. The loan limit for a single-family home purchase will rise from $493,350 in 2017, to $529,000 in 2018. This change was made due to significant home-price gains that occurred during 2017, in Denver and also nationwide. See table below for all Colorado counties.
Denver, Colorado FHA Loan Limits for 2018
In 2018, the FHA loan limit for the entire Denver-Aurora-Lakewood metro area will be $529,000. That is the maximum amount for a mortgage loan that is insured by the Federal Housing Administration.
These maximum mortgage sizes can vary from one county to the next, because they are based on median home prices (which also vary regionally).
Here are the 2018 FHA loan limits for Denver and all other counties of Colorado:
| County | One-Family | Two-Family | Three-Family | Four-Family |
|---|---|---|---|---|
| ADAMS | $529,000 | $677,200 | $818,600 | $1,017,300 |
| ALAMOSA | $294,515 | $377,075 | $455,800 | $566,425 |
| ARAPAHOE | $529,000 | $677,200 | $818,600 | $1,017,300 |
| ARCHULETA | $294,515 | $377,075 | $455,800 | $566,425 |
| BACA | $294,515 | $377,075 | $455,800 | $566,425 |
| BENT | $294,515 | $377,075 | $455,800 | $566,425 |
| BOULDER | $578,450 | $740,500 | $895,100 | $1,112,400 |
| BROOMFIELD | $529,000 | $677,200 | $818,600 | $1,017,300 |
| CHAFFEE | $301,300 | $385,700 | $466,250 | $579,400 |
| CHEYENNE | $294,515 | $377,075 | $455,800 | $566,425 |
| CLEAR CREEK | $529,000 | $677,200 | $818,600 | $1,017,300 |
| CONEJOS | $294,515 | $377,075 | $455,800 | $566,425 |
| COSTILLA | $294,515 | $377,075 | $455,800 | $566,425 |
| CROWLEY | $294,515 | $377,075 | $455,800 | $566,425 |
| CUSTER | $294,515 | $377,075 | $455,800 | $566,425 |
| DELTA | $294,515 | $377,075 | $455,800 | $566,425 |
| DENVER | $529,000 | $677,200 | $818,600 | $1,017,300 |
| DOLORES | $294,515 | $377,075 | $455,800 | $566,425 |
| DOUGLAS | $529,000 | $677,200 | $818,600 | $1,017,300 |
| EAGLE | $679,650 | $870,225 | $1,051,875 | $1,307,175 |
| EL PASO | $304,750 | $390,100 | $471,550 | $586,050 |
| ELBERT | $529,000 | $677,200 | $818,600 | $1,017,300 |
| FREMONT | $294,515 | $377,075 | $455,800 | $566,425 |
| GARFIELD | $679,650 | $870,225 | $1,051,875 | $1,307,175 |
| GILPIN | $529,000 | $677,200 | $818,600 | $1,017,300 |
| GRAND | $373,750 | $478,450 | $578,350 | $718,750 |
| GUNNISON | $357,650 | $457,850 | $553,450 | $687,800 |
| HINSDALE | $427,800 | $547,650 | $662,000 | $822,700 |
| HUERFANO | $294,515 | $377,075 | $455,800 | $566,425 |
| JACKSON | $294,515 | $377,075 | $455,800 | $566,425 |
| JEFFERSON | $529,000 | $677,200 | $818,600 | $1,017,300 |
| KIOWA | $294,515 | $377,075 | $455,800 | $566,425 |
| KIT CARSON | $294,515 | $377,075 | $455,800 | $566,425 |
| LA PLATA | $391,000 | $500,550 | $605,050 | $751,900 |
| LAKE | $294,515 | $377,075 | $455,800 | $566,425 |
| LARIMER | $402,500 | $515,250 | $622,850 | $774,050 |
| LAS ANIMAS | $294,515 | $377,075 | $455,800 | $566,425 |
| LINCOLN | $294,515 | $377,075 | $455,800 | $566,425 |
| LOGAN | $294,515 | $377,075 | $455,800 | $566,425 |
| MESA | $294,515 | $377,075 | $455,800 | $566,425 |
| MINERAL | $294,515 | $377,075 | $455,800 | $566,425 |
| MOFFAT | $294,515 | $377,075 | $455,800 | $566,425 |
| MONTEZUMA | $294,515 | $377,075 | $455,800 | $566,425 |
| MONTROSE | $294,515 | $377,075 | $455,800 | $566,425 |
| MORGAN | $294,515 | $377,075 | $455,800 | $566,425 |
| OTERO | $294,515 | $377,075 | $455,800 | $566,425 |
| OURAY | $425,500 | $544,700 | $658,450 | $818,250 |
| PARK | $529,000 | $677,200 | $818,600 | $1,017,300 |
| PHILLIPS | $294,515 | $377,075 | $455,800 | $566,425 |
| PITKIN | $679,650 | $870,225 | $1,051,875 | $1,307,175 |
House Values Rising Across the State
These changes were made in response to rising house values. In Denver, the median home value rose by around 6% during 2017, according to Zillow. Prices climbed in most other parts of Colorado as well.
This is why federal housing officials have increased the 2018 FHA loan limits for Denver and other counties in the state. In fact, more than 3,000 counties across the country will see an increase in 2018.
According to a HUD press release from December 2017:
“The Federal Housing Administration (FHA) today announced the agency’s new schedule of loan limits for 2018, with most areas in the country to experience an increase in loan limits in the coming year. These loan limits are effective for FHA case numbers assigned on or after January 1, 2018.”
As of November 2017, the median home price for the Denver area was around $375,000, according to the local Realtors association. That’s the midpoint for this market, from a pricing perspective. The maximum FHA loan amount limit for the Denver-Aurora-Lakewood metro area is $529,000, for a single-family home purchase. So the limit for 2018 has been set well above the current median house value.
This means that home buyers who are planning to use the FHA loan program to buy a house in Denver in 2018 should have plenty of options — at least from a pricing perspective.
Disclaimer: This article includes the maximum loan sizes / limits for Denver, Colorado. This information was obtained from official sources including the Department of Housing and Urban Development. We make every effort to ensure accuracy when transcribing data onto our site. Still, there is always a chance for human error. For the most accurate information relating to Denver FHA loan limits in 2018, refer to HUD.gov or speak to a HUD-approved mortgage lender.