2026 Loan Limits in Colorado Springs, El Paso County
The 2026 conforming loan limit in El Paso County is $832,750, covering most Colorado Springs home purchases. FHA buyers work within Colorado's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying. Veterans and active-duty buyers near Colorado Springs 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 $832,750 in El Paso County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Colorado Springs's 2026 FHA ceiling: $541,287.
VA
0% down, no monthly PMI, competitive rates for eligible veterans and active-duty service members buying in Colorado Springs.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Colorado Springs 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
One of nation's largest VA markets; Peterson SFB/Fort Carson/Schriever/Cheyenne Mountain.