FHA Loans
FHA Home Loans in Colorado & Florida
3.5% down, flexible credit requirements, and stackable down payment assistance programs across every city we serve.
FHA loans are the workhorse of first-time buyer financing — 3.5% down, credit scores as low as 580, and lenient debt-to-income ratios. Every city guide below shows the 2026 FHA loan limit, monthly payment breakdown, and eligible DPA programs.
Colorado FHA Loan Guides
124 cities
Alamosa, CO
FHA Limit
$541,287
Monthly
$1,495/mo
Arvada, CO
FHA Limit
$862,500
Monthly
$3,689/mo
Aspen, CO
FHA Limit
$1,249,125
Monthly
$21,607/mo
Aurora, CO
FHA Limit
$862,500
Monthly
$3,071/mo
Avon, CO
FHA Limit
$1,249,125
Monthly
$5,684/mo
Bailey, CO
FHA Limit
$862,500
Monthly
$3,310/mo
Basalt, CO
FHA Limit
$1,249,125
Monthly
$6,348/mo
Bayfield, CO
FHA Limit
$747,500
Monthly
$2,406/mo
Berthoud, CO
FHA Limit
$634,800
Monthly
$3,290/mo
Black Hawk, CO
FHA Limit
$862,500
Monthly
$3,243/mo
Boulder, CO
FHA Limit
$879,750
Monthly
$5,018/mo
Breckenridge, CO
FHA Limit
$1,092,500
Monthly
$6,016/mo
Brighton, CO
FHA Limit
$862,500
Monthly
$3,071/mo
Broomfield, CO
FHA Limit
$862,500
Monthly
$3,755/mo
Buena Vista, CO
FHA Limit
$713,000
Monthly
$3,270/mo
Cañon City, CO
FHA Limit
$541,287
Monthly
$2,007/mo
Carbondale, CO
FHA Limit
$1,249,125
Monthly
$5,351/mo
Castle Rock, CO
FHA Limit
$862,500
Monthly
$4,421/mo
Cedaredge, CO
FHA Limit
$541,287
Monthly
$2,160/mo
Centennial, CO
FHA Limit
$862,500
Monthly
$4,154/mo
Colorado Springs, CO
FHA Limit
$541,650
Monthly
$3,057/mo
Commerce City, CO
FHA Limit
$862,500
Monthly
$2,891/mo
Conifer, CO
FHA Limit
$862,500
Monthly
$4,041/mo
Copper Mountain, CO
FHA Limit
$1,092,500
Monthly
$5,684/mo
Cortez, CO
FHA Limit
$541,287
Monthly
$1,914/mo
Craig, CO
FHA Limit
$1,089,050
Monthly
$1,741/mo
Crawford, CO
FHA Limit
$541,287
Monthly
$1,874/mo
Crested Butte, CO
FHA Limit
$747,500
Monthly
$5,218/mo
Delta, CO
FHA Limit
$541,287
Monthly
$1,980/mo
Denver, CO
FHA Limit
$862,500
Monthly
$3,755/mo
Dillon, CO
FHA Limit
$1,092,500
Monthly
$4,666/mo
Dolores, CO
FHA Limit
$541,287
Monthly
$1,741/mo
Durango, CO
FHA Limit
$747,500
Monthly
$3,735/mo
Eagle, CO
FHA Limit
$1,249,125
Monthly
$3,735/mo
Eaton, CO
FHA Limit
$575,000
Monthly
$2,758/mo
Edwards, CO
FHA Limit
$1,249,125
Monthly
$5,484/mo
Elizabeth, CO
FHA Limit
$862,500
Monthly
$4,121/mo
Englewood, CO
FHA Limit
$862,500
Monthly
$3,575/mo
Erie, CO
FHA Limit
$879,750
Monthly
$4,354/mo
Estes Park, CO
FHA Limit
$634,800
Monthly
$3,735/mo
Evans, CO
FHA Limit
$575,000
Monthly
$2,293/mo
Evergreen, CO
FHA Limit
$862,500
Monthly
$5,066/mo
Fairplay, CO
FHA Limit
$862,500
Monthly
$2,938/mo
Firestone, CO
FHA Limit
$575,000
Monthly
$3,243/mo
Florence, CO
FHA Limit
$541,287
Monthly
$1,827/mo
Fort Collins, CO
FHA Limit
$634,800
Monthly
$3,490/mo
Fort Morgan, CO
FHA Limit
$541,287
Monthly
$1,761/mo
Fountain, CO
FHA Limit
$541,650
Monthly
$2,445/mo
Fraser, CO
FHA Limit
$883,200
Monthly
$4,267/mo
Frederick, CO
FHA Limit
$575,000
Monthly
$3,270/mo
Frisco, CO
FHA Limit
$1,092,500
Monthly
$4,952/mo
Fruita, CO
FHA Limit
$541,287
Monthly
$2,445/mo
Glenwood Springs, CO
FHA Limit
$1,249,125
Monthly
$4,354/mo
Golden, CO
FHA Limit
$862,500
Monthly
$4,088/mo
Granby, CO
FHA Limit
$883,200
Monthly
$3,403/mo
Grand Junction, CO
FHA Limit
$541,287
Monthly
$2,273/mo
Greeley, CO
FHA Limit
$575,000
Monthly
$2,579/mo
Gunnison, CO
FHA Limit
$747,500
Monthly
$2,938/mo
Gypsum, CO
FHA Limit
$1,249,125
Monthly
$2,938/mo
Hayden, CO
FHA Limit
$1,089,050
Monthly
$2,538/mo
Highlands Ranch, CO
FHA Limit
$862,500
Monthly
$4,354/mo
Hotchkiss, CO
FHA Limit
$541,287
Monthly
$1,941/mo
Idaho Springs, CO
FHA Limit
$862,500
Monthly
$2,957/mo
Ignacio, CO
FHA Limit
$747,500
Monthly
$1,847/mo
Johnstown, CO
FHA Limit
$575,000
Monthly
$3,071/mo
Keystone, CO
FHA Limit
$1,092,500
Monthly
$5,218/mo
La Junta, CO
FHA Limit
$541,287
Monthly
$1,010/mo
Lafayette, CO
FHA Limit
$879,750
Monthly
$3,869/mo
Lake City, CO
FHA Limit
$563,500
Monthly
$2,180/mo
Lake George, CO
FHA Limit
$862,500
Monthly
$2,692/mo
Lakewood, CO
FHA Limit
$862,500
Monthly
$3,623/mo
Lamar, CO
FHA Limit
$541,287
Monthly
$983/mo
Leadville, CO
FHA Limit
$1,092,500
Monthly
$2,538/mo
Littleton, CO
FHA Limit
$862,500
Monthly
$3,855/mo
Lone Tree, CO
FHA Limit
$862,500
Monthly
$4,753/mo
Longmont, CO
FHA Limit
$879,750
Monthly
$3,490/mo
Louisville, CO
FHA Limit
$879,750
Monthly
$4,154/mo
Loveland, CO
FHA Limit
$634,800
Monthly
$3,137/mo
Mancos, CO
FHA Limit
$541,287
Monthly
$2,073/mo
Mead, CO
FHA Limit
$575,000
Monthly
$3,157/mo
Meeker, CO
FHA Limit
$541,287
Monthly
$1,914/mo
Minturn, CO
FHA Limit
$1,249,125
Monthly
$4,135/mo
Monte Vista, CO
FHA Limit
$541,287
Monthly
$1,342/mo
Montrose, CO
FHA Limit
$541,287
Monthly
$2,339/mo
Monument, CO
FHA Limit
$541,650
Monthly
$3,310/mo
Morrison, CO
FHA Limit
$862,500
Monthly
$3,888/mo
Naturita, CO
FHA Limit
$541,287
Monthly
$1,076/mo
New Castle, CO
FHA Limit
$1,249,125
Monthly
$3,044/mo
Northglenn, CO
FHA Limit
$862,500
Monthly
$2,957/mo
Norwood, CO
FHA Limit
$1,045,350
Monthly
$1,874/mo
Nucla, CO
FHA Limit
$541,287
Monthly
$1,049/mo
Oak Creek, CO
FHA Limit
$1,089,050
Monthly
$2,445/mo
Olathe, CO
FHA Limit
$541,287
Monthly
$1,781/mo
Ouray, CO
FHA Limit
$750,950
Monthly
$3,270/mo
Pagosa Springs, CO
FHA Limit
$541,287
Monthly
$3,071/mo
Palisade, CO
FHA Limit
$541,287
Monthly
$2,579/mo
Paonia, CO
FHA Limit
$541,287
Monthly
$2,113/mo
Parachute, CO
FHA Limit
$1,249,125
Monthly
$2,047/mo
Parker, CO
FHA Limit
$862,500
Monthly
$3,935/mo
Placerville, CO
FHA Limit
$1,045,350
Monthly
$2,538/mo
Pueblo, CO
FHA Limit
$541,287
Monthly
$1,741/mo
Pueblo West, CO
FHA Limit
$541,287
Monthly
$1,914/mo
Ridgway, CO
FHA Limit
$750,950
Monthly
$3,735/mo
Rifle, CO
FHA Limit
$1,249,125
Monthly
$2,646/mo
Salida, CO
FHA Limit
$713,000
Monthly
$3,071/mo
Silt, CO
FHA Limit
$1,249,125
Monthly
$2,406/mo
Silverthorne, CO
FHA Limit
$1,092,500
Monthly
$4,686/mo
Silverton, CO
FHA Limit
$541,287
Monthly
$2,824/mo
Snowmass Village, CO
FHA Limit
$1,249,125
Monthly
$10,803/mo
Steamboat Springs, CO
FHA Limit
$1,089,050
Monthly
$6,395/mo
Sterling, CO
FHA Limit
$541,287
Monthly
$1,182/mo
Superior, CO
FHA Limit
$879,750
Monthly
$4,467/mo
Tabernash, CO
FHA Limit
$883,200
Monthly
$4,201/mo
Telluride, CO
FHA Limit
$1,045,350
Monthly
$14,792/mo
Thornton, CO
FHA Limit
$862,500
Monthly
$3,090/mo
Timnath, CO
FHA Limit
$634,800
Monthly
$3,403/mo
Trinidad, CO
FHA Limit
$541,287
Monthly
$1,249/mo
Vail, CO
FHA Limit
$1,249,125
Monthly
$12,332/mo
Walsenburg, CO
FHA Limit
$541,287
Monthly
$1,296/mo
Westminster, CO
FHA Limit
$862,500
Monthly
$3,490/mo
Wheat Ridge, CO
FHA Limit
$862,500
Monthly
$3,423/mo
Windsor, CO
FHA Limit
$575,000
Monthly
$3,224/mo
Winter Park, CO
FHA Limit
$883,200
Monthly
$4,732/mo
Woodland Park, CO
FHA Limit
$541,650
Monthly
$2,978/mo
Florida FHA Loan Guides
39 cities
30A / Santa Rosa Beach, FL
FHA Limit
$603,750
Monthly
$5,684/mo
Boca Raton, FL
FHA Limit
$667,000
Monthly
$4,374/mo
Bonifay, FL
FHA Limit
$541,287
Monthly
$1,296/mo
Bonita Springs, FL
FHA Limit
$541,287
Monthly
$3,575/mo
Bradenton, FL
FHA Limit
$547,400
Monthly
$2,671/mo
Cape Coral, FL
FHA Limit
$541,287
Monthly
$2,512/mo
Chiefland, FL
FHA Limit
$541,287
Monthly
$1,249/mo
Clearwater, FL
FHA Limit
$541,287
Monthly
$2,671/mo
Crestview, FL
FHA Limit
$603,750
Monthly
$2,007/mo
DeFuniak Springs, FL
FHA Limit
$603,750
Monthly
$1,894/mo
Destin, FL
FHA Limit
$603,750
Monthly
$4,154/mo
Fernandina Beach, FL
FHA Limit
$580,750
Monthly
$3,669/mo
Fort Lauderdale, FL
FHA Limit
$667,000
Monthly
$3,556/mo
Fort Myers, FL
FHA Limit
$541,287
Monthly
$2,406/mo
Fort Walton Beach, FL
FHA Limit
$603,750
Monthly
$2,512/mo
Gulf Breeze, FL
FHA Limit
$541,287
Monthly
$2,646/mo
Immokalee, FL
FHA Limit
$764,750
Monthly
$1,694/mo
Jacksonville, FL
FHA Limit
$580,750
Monthly
$2,160/mo
Key West, FL
FHA Limit
$990,150
Monthly
$6,548/mo
Kissimmee, FL
FHA Limit
$541,287
Monthly
$2,360/mo
Lake Placid, FL
FHA Limit
$541,287
Monthly
$1,448/mo
Marco Island, FL
FHA Limit
$764,750
Monthly
$7,478/mo
Marianna, FL
FHA Limit
$541,287
Monthly
$1,209/mo
Miami, FL
FHA Limit
$667,000
Monthly
$3,975/mo
Miami Beach, FL
FHA Limit
$667,000
Monthly
$5,949/mo
Naples, FL
FHA Limit
$764,750
Monthly
$4,533/mo
Niceville, FL
FHA Limit
$603,750
Monthly
$2,379/mo
Orange Park, FL
FHA Limit
$580,750
Monthly
$2,227/mo
Orlando, FL
FHA Limit
$541,287
Monthly
$2,538/mo
Palm Beach Gardens, FL
FHA Limit
$667,000
Monthly
$3,935/mo
Panama City Beach, FL
FHA Limit
$541,287
Monthly
$3,004/mo
Pensacola, FL
FHA Limit
$541,287
Monthly
$1,894/mo
Port St. Lucie, FL
FHA Limit
$603,750
Monthly
$2,406/mo
Sarasota, FL
FHA Limit
$547,400
Monthly
$3,224/mo
Sebring, FL
FHA Limit
$541,287
Monthly
$1,495/mo
St. Augustine, FL
FHA Limit
$580,750
Monthly
$2,738/mo
St. Petersburg, FL
FHA Limit
$541,287
Monthly
$2,758/mo
Tampa, FL
FHA Limit
$541,287
Monthly
$2,692/mo
Venice, FL
FHA Limit
$547,400
Monthly
$3,004/mo