Fort Collins · Larimer County

Mortgage Broker in Fort Collins, Larimer County, Colorado

2026 Loan Limits in Fort Collins, Larimer County

The 2026 conforming loan limit in Larimer County is $832,750, covering most Fort Collins home purchases. FHA buyers work within Colorado's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $832,750 in Larimer County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Fort Collins's 2026 FHA ceiling: $541,287.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Fort Collins 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

CSU-driven demand; stable Front Range market; strong rental demand.

Frequently Asked Questions

What is the 2026 conforming loan limit in Fort Collins, Colorado?

Fort Collins sits in Larimer County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Fort Collins?

The 2026 FHA loan limit in Larimer County is $541,287 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Fort Collins?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Fort Collins and throughout Colorado.