About This Program in Steamboat Springs
Routt County's 2026 FHA limit of $1,089,050 sits $547,763 above Colorado's standard floor of $541,287, giving Steamboat Springs buyers significantly more purchasing power than most Colorado markets. At Steamboat Springs's median price of $1,150,000, FHA requires just $40,200 down — saving $189,800 versus a 20% conventional down payment. Monthly MIP runs approximately $510 at that loan size, with a one-time upfront MIP of $19,400 typically rolled into the loan.