2026 Loan Limits in Aurora, Arapahoe County
Aurora is in Arapahoe County, one of Colorado's high-cost areas, where both the high-balance conforming and FHA limits reach $862,500 in 2026. Loans up to $862,500 are still Fannie Mae / Freddie Mac eligible — but at high-balance pricing, which carries a small rate premium over the $832,750 standard conforming baseline. Any loan above $862,500 is jumbo and requires portfolio or non-agency financing. Veterans and active-duty buyers near Aurora benefit from VA loans with zero down payment, no monthly PMI, and no county loan limit for those with full entitlement.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $862,500 in Arapahoe County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Aurora's 2026 FHA ceiling: $862,500.
VA
0% down, no monthly PMI, competitive rates for eligible veterans and active-duty service members buying in Aurora.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Aurora for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Buckley SFB; large VA market; diverse suburban market.