FHA Loans · CO
FHA Home Loans in Thornton, CO
Thornton 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
$16,275
Monthly Total
$3,090/mo
2026 FHA Limit
$862,500
Income Needed
$107,162/yr
FHA Limit Covers Thornton
FHA loan limits in ADAMS County ($862,500) comfortably cover the Thornton median home price ($465,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$16,275
Lower MIP
FHA 10% Down
$46,500
No PMI
Conventional 20%
$93,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,885 | $205 | $3,090 |
| Conventional 5% down | — | $257 | $3,122 |
Upfront MIP of $7,852 (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 Thornton
Low down payment, flexible credit requirements, and DPA stackable programs.