Mortgage Loans in El Paso County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in El Paso County.
About El Paso County
El Paso County is a one of the country's top VA loan markets, home to Fort Carson, Peterson Space Force Base, Schriever SFB, and NORAD — the largest county in Colorado by military population. Tayton Capital serves buyers throughout El Paso County, including Colorado Springs. The county median home price is approximately $465,000, with FHA limits above the state floor at $541,650, giving first-time buyers meaningful additional purchasing power.
2026 Loan Limits — El Paso County, CO
El Paso County uses the standard Colorado conforming baseline of $832,750, covering the vast majority of purchase transactions. FHA buyers benefit from an elevated county limit of $541,650, which is $363 above the Colorado floor of $541,287. This provides meaningfully more purchasing power than buyers in floor-limit counties, particularly for 3.5% down FHA borrowers. VA loans carry no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo or non-QM financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $832,750 |
| FHA | $541,650 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
El Paso County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in El Paso County
Conventional up to $832,750 — standard pricing, 3–5% down for qualifying buyers
FHA up to $541,650 — 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 $832,750 for purchases exceeding the conforming limit
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 El Paso County, CO
El Paso County has significant military presence. VA loans with 0% down and no county limit are available throughout the county.
El Paso County Mortgage FAQ
What are the 2026 loan limits in El Paso County, CO?＋
The 2026 conforming loan limit in El Paso County is $832,750. The FHA limit is $541,650. VA loans have no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of El Paso County.
Does Tayton Capital serve all cities in El Paso County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire El Paso County area. This includes Colorado Springs. We close loans for buyers in every city and unincorporated community throughout El Paso County.
Are VA loans popular in El Paso County?＋
Yes — El Paso County has significant active-duty and veteran population, making VA loans one of the most-used products in the area. VA loans offer 0% down payment, no monthly PMI, and no county loan limit for borrowers with full entitlement. The VA funding fee for first-time use with 0% down is 2.15%.
Are there down payment assistance programs in El Paso County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for El Paso 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 El Paso County's current limits.
Ready to Buy or Refi in El Paso County?
Tayton Capital is licensed in Colorado and serves every city in El Paso 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