FHA Loans · CO
FHA Home Loans in Golden, CO
Golden sits in an elevated FHA zone ($862,500 limit), reflecting the area's higher-than-average home values and giving FHA access to more of the local market.
3.5% Down
$21,525
Monthly Total
$4,088/mo
2026 FHA Limit
$862,500
Income Needed
$135,013/yr
FHA Limit Covers Golden
FHA loan limits in JEFFERSON County ($862,500) comfortably cover the Golden median home price ($615,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$21,525
Lower MIP
FHA 10% Down
$61,500
No PMI
Conventional 20%
$123,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,816 | $272 | $4,088 |
| Conventional 5% down | — | $340 | $4,129 |
Upfront MIP of $10,385 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
CHFA (Colorado Housing and Finance Authority) offers down payment assistance grants and second mortgage products stackable with FHA — eligible buyers may reduce out-of-pocket to near $0. Income and purchase price limits apply.
CHFA Eligible: Colorado Housing and Finance Authority offers down payment assistance grants and second mortgage products stackable with FHA. Income and purchase price limits apply.
FAQs
Get pre-approved for an FHA loan in Golden
Low down payment, flexible credit requirements, and DPA stackable programs.