FHA Loans · CO
FHA Home Loans in Rifle, CO
Rifle's FHA limit of $1,249,125 — among the highest in CO — puts most local properties within FHA reach despite elevated prices.
3.5% Down
$13,930
Monthly Total
$2,646/mo
2026 FHA Limit
$1,249,125
Income Needed
$94,772/yr
FHA Limit Covers Rifle
FHA loan limits in GARFIELD County ($1,249,125) comfortably cover the Rifle median home price ($398,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$13,930
Lower MIP
FHA 10% Down
$39,800
No PMI
Conventional 20%
$79,600
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,470 | $176 | $2,646 |
| Conventional 5% down | — | $220 | $2,672 |
Upfront MIP of $6,721 (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 Rifle
Low down payment, flexible credit requirements, and DPA stackable programs.