Mortgage Loans in Adams County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Adams County.
About Adams County
Adams County is a suburban metro Denver community featuring working-class neighborhoods, strong first-time buyer demand, and easy I-76 corridor access. Tayton Capital serves buyers throughout Adams County, including Thornton, and Commerce City. Median home prices across the county range from $415,000 to $485,000, with loan limits elevated above the national baseline — the 2026 high-balance conforming limit is $862,500.
2026 Loan Limits — Adams County, CO
Adams County is designated a high-cost area by both FHFA and HUD. The 2026 high-balance conforming limit is $862,500 and the FHA limit is $862,500. Loans up to $862,500 remain Fannie Mae/Freddie Mac eligible at high-balance pricing — slightly above the $832,750 standard conforming rate. Anything above $862,500 requires jumbo or non-agency financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $862,500 |
| FHA | $862,500 |
| VA | No limit (full entitlement) |
| Jumbo | Above $862,500 |
High-cost county — loans up to $862,500 remain Fannie Mae / Freddie Mac eligible at high-balance pricing.
Mortgage Programs in Adams County
High-Balance Conforming up to $862,500 — Fannie/Freddie eligible with slightly elevated rate
FHA up to $862,500 — 3.5% down, flexible credit starting at 580 FICO, no income limit
VA — 0% down, no PMI, no county limit for full-entitlement veterans
Jumbo — available above $862,500 for qualified borrowers with strong credit and reserves
DSCR Investor — qualify on rental income, close in LLC, no W-2 or tax returns required
CHFA (Colorado) — down payment assistance, reduced PMI, income-limit programs for qualified buyers
Cities We Serve in Adams County, CO
Adams County Mortgage FAQ
What are the 2026 loan limits in Adams County, CO?＋
The 2026 conforming loan limit in Adams County is $862,500. The FHA limit is $862,500. VA loans have no county cap for borrowers with full entitlement. Loans above $862,500 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of Adams County.
Does Tayton Capital serve all cities in Adams County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire Adams County area. This includes Thornton, Commerce City. We close loans for buyers in every city and unincorporated community throughout Adams County.
What mortgage programs are available in Adams County?＋
Buyers in Adams County have access to conventional, FHA, VA, jumbo, DSCR, and USDA loans depending on location and eligibility. FHA is particularly popular for first-time buyers with the $862,500 county limit. DSCR loans are available for investors without requiring W-2 income documentation.
Are there down payment assistance programs in Adams County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for Adams County buyers. CHFA programs include the CHFA Advantage (conventional, no PMI with qualified buyers), CHFA FHA, and down payment assistance grants or second mortgages. Income and purchase price limits apply and change annually — visit chfainfo.com or contact us for Adams County's current limits.
Ready to Buy or Refi in Adams County?
Tayton Capital is licensed in Colorado and serves every city in Adams County. Get pre-approved today — same-day response.
More Colorado Counties
- San Miguel County · Conforming $994,750
- Grand County · Conforming $883,200
- Boulder County · Conforming $879,750
- Denver County · Conforming $862,500
- Broomfield County · Conforming $862,500