FHA Loans · CO
FHA Home Loans in Winter Park, CO
Winter Park sits in an elevated FHA zone ($883,200 limit), reflecting the area's higher-than-average home values and giving FHA access to more of the local market.
3.5% Down
$24,920
Monthly Total
$4,732/mo
2026 FHA Limit
$883,200
Income Needed
$152,986/yr
FHA Limit Covers Winter Park
FHA loan limits in GRAND County ($883,200) comfortably cover the Winter Park median home price ($712,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$24,920
Lower MIP
FHA 10% Down
$71,200
No PMI
Conventional 20%
$142,400
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $4,418 | $314 | $4,732 |
| Conventional 5% down | — | $394 | $4,781 |
Upfront MIP of $12,023 (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 Winter Park
Low down payment, flexible credit requirements, and DPA stackable programs.