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Colorado Conforming Loan Limits for 2022 For All Counties

Below is information that includes all Colorado county conforming loan limits for 2022. The Federal Housing Finance Agency (FHFA) increased loan limits for 2022.  This makes it much easier for more Colorado home buyers and homeowners to be able to qualify for a conforming loan with lower rates and not have to choose a jumbo loan.  With rising housing prices this is needed in order to make this happen.  Any home loan that exceeds the maximum amounts provided below are considered a Jumbo Mortgage. See the press release from FHFA here.

The 2022 conforming loan limit for the majority of counties in Colorado is set at $647,200, an increase over 2021’s cap of $548,250. In the higher cost counties of Colorado, the single-family loan limits in 2022 will be higher, as is outlined in the chart below. Most of the Denver metro counties limit for these more expensive and high cost counties is $684,250 for a typically Single family Residence or Condo/Townhome that is one unit and not a duplex, triplex, or 4-plex.  These higher loan limits are for a high balance conforming loan and are typically about 0.25% higher in interest rate when compared to a conforming loan amount limit of $647,200.  

The table below shows conforming loan limits for all Colorado counties and for all unit types. Keep in mind that a single-family residence is referred to as a 1-unit property below, so if you are thinking of buying a single-family home in 2022, refer to the 1-unit column below. Duplexes are referred to as 2-unit properties, triplexes are referred to as 3-unit properties, and multi-plexes are referred to as 4-unit properties below.

 

County Name

One-Unit (Single-Family)

Two-Unit (Duplex)

Three-Unit (Triplex)

Four-Unit (Multi-Plex)

ADAMS COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

ALAMOSA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

ARAPAHOE COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

ARCHULETA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

BACA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

BENT COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

BOULDER COUNTY

$747,500

$956,950

$1,156,700

$1,437,500

BROOMFIELD COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

CHAFFEE COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

CHEYENNE COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

CLEAR CREEK COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

CONEJOS COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

COSTILLA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

CROWLEY COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

CUSTER COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

DELTA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

DENVER COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

DOLORES COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

DOUGLAS COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

EAGLE COUNTY

$862,500

$1,104,150

$1,334,700

$1,658,700

EL PASO COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

ELBERT COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

FREMONT COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

GARFIELD COUNTY

$856,750

$1,096,800

$1,325,800

$1,647,650

GILPIN COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

GRAND COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

GUNNISON COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

HINSDALE COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

HUERFANO COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

JACKSON COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

JEFFERSON COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

KIOWA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

KIT CARSON COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

LA PLATA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

LAKE COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

LARIMER COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

LAS ANIMAS COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

LINCOLN COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

LOGAN COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

MESA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

MINERAL COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

MOFFAT COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

MONTEZUMA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

MONTROSE COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

MORGAN COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

OTERO COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

OURAY COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

PARK COUNTY

$684,250

$875,950

$1,058,850

$1,315,900

PHILLIPS COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

PITKIN COUNTY

$856,750

$1,096,800

$1,325,800

$1,647,650

PROWERS COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

PUEBLO COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

RIO BLANCO COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

RIO GRANDE COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

ROUTT COUNTY

$678,500

$868,600

$1,049,950

$1,304,850

SAGUACHE COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

SAN JUAN COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

SAN MIGUEL COUNTY

$756,700

$968,700

$1,170,950

$1,455,200

SEDGWICK COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

SUMMIT COUNTY

$822,375

$1,053,000

$1,272,750

$1,581,750

TELLER COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

WASHINGTON COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

WELD COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

YUMA COUNTY

$647,200

$828,700

$1,001,650

$1,244,850

 

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