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FHA loans in Cimarron Hills, CO

Quick answer

The 2026 FHA loan limit in Cimarron Hills, CO (El Paso County) is $541,650 for a single-family home, enough for a purchase price up to about $561,000 with 3.5% down. On the $333,300 median home value, that down payment is about $11,666 and the estimated payment is $2,707/month at 7.18%, which needs roughly $117,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $75,853; value-to-income ratio 4.39. Cimarron Hills ranks 62 by home value and 43 by population among 70 places in our CO dataset.

What does an FHA loan cost on a typical Cimarron Hills home?

ItemCimarron Hills
Median home value (Census ACS)$333,300
Colorado median home value$502,200
Down payment (3.5%)$11,666
Loan incl. 1.75% upfront MIP$327,263
Estimated monthly payment (PITI + MI)$2,707
Income needed (28% / 36%)$117,000 / $91,000
El Paso County 2026 FHA limit (1 unit)$541,650
Max purchase price at the limit$561,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Colorado's 0.49% effective property tax rate (Census ACS), $2,492/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Cimarron Hills?

Cimarron Hills is in El Paso County where HUD's 2026 one-unit FHA limit is $541,650. With the minimum 3.5% down, that caps the purchase price at about $561,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Cimarron Hills median home value of $333,300 is 34% below the Colorado median, and within what the county limit supports.

Which down payment assistance programs can Cimarron Hills buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Cimarron Hills

Cimarron Hills is in El Paso County, where HUD's 2026 FHA limit for a one-unit home is $541,650. With 3.5% down, that supports a purchase price up to about $561,000.

3.5% of $333,300 is about $11,666 with a 580+ credit score (10%, or $33,330, with a 500–579 score), plus closing costs.

At the $333,300 median value (below the Colorado median of $502,200), the estimated payment of $2,707/month at 7.18% needs about $117,000 a year under the 28% housing guideline, or $91,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.