Mortgage Loans in Denver County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Denver County.
About Denver County
Denver County is a Colorado's largest urban market with diverse price points from Capitol Hill condos to suburban single-family, anchored by a major employment base and strong rental demand. Tayton Capital serves buyers throughout Denver County, including Denver. The county median home price is approximately $575,000, with loan limits elevated above the national baseline — the 2026 high-balance conforming limit is $862,500.
2026 Loan Limits — Denver County, CO
Denver 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 Denver 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 Denver County, CO
Short-term rental activity exists in Denver County. DSCR investor financing is available; confirm STR permits for specific addresses.
Denver County Mortgage FAQ
What are the 2026 loan limits in Denver County, CO?＋
The 2026 conforming loan limit in Denver 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 Denver County.
Does Tayton Capital serve all cities in Denver County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire Denver County area. This includes Denver. We close loans for buyers in every city and unincorporated community throughout Denver County.
What mortgage programs are available in Denver County?＋
Buyers in Denver 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 Denver County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for Denver 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 Denver County's current limits.
Ready to Buy or Refi in Denver County?
Tayton Capital is licensed in Colorado and serves every city in Denver 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
- Arapahoe County · Conforming $862,500
- Adams County · Conforming $862,500