About This Program in Mountain Village
San Miguel County's 2026 FHA limit of $1,045,350 sits $504,063 above Colorado's standard floor of $541,287, giving Mountain Village buyers significantly more purchasing power than most Colorado markets. At Mountain Village's median price of $1,800,000, FHA requires just $63,000 down — saving $297,000 versus a 20% conventional down payment. Monthly MIP runs approximately $800 at that loan size, with a one-time upfront MIP of $30,400 typically rolled into the loan.