FHA Loans · CO
FHA Home Loans in Windsor, CO
FHA's 3.5% minimum on Windsor's $485,000 median requires just $16,975 — $7,275 less than a 5% conventional down payment.
3.5% Down
$16,975
Monthly Total
$3,224/mo
2026 FHA Limit
$575,000
Income Needed
$110,902/yr
FHA Limit Covers Windsor
FHA loan limits in WELD County ($575,000) comfortably cover the Windsor median home price ($485,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$16,975
Lower MIP
FHA 10% Down
$48,500
No PMI
Conventional 20%
$97,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,010 | $214 | $3,224 |
| Conventional 5% down | — | $268 | $3,256 |
Upfront MIP of $8,190 (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 Windsor
Low down payment, flexible credit requirements, and DPA stackable programs.