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FHA loans in Erie, CO

Quick answer

The 2026 FHA loan limit in Erie, CO (Weld County) is $575,000 for a single-family home, enough for a purchase price up to about $595,000 with 3.5% down. On the $685,900 median home value, that down payment is about $24,007 and the estimated payment is $5,352/month at 7.18%, which needs roughly $230,000 a year in income.

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

Median household income: $163,644; value-to-income ratio 4.19. Erie ranks 15 by home value and 31 by population among 70 places in our CO dataset.

What does an FHA loan cost on a typical Erie home?

ItemErie
Median home value (Census ACS)$685,900
Colorado median home value$502,200
Down payment (3.5%)$24,007
Loan incl. 1.75% upfront MIP$673,477
Estimated monthly payment (PITI + MI)$5,352
Income needed (28% / 36%)$230,000 / $179,000
Weld County 2026 FHA limit (1 unit)$575,000
Max purchase price at the limit$595,000

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 Erie?

Erie is in Weld County where HUD's 2026 one-unit FHA limit is $575,000. With the minimum 3.5% down, that caps the purchase price at about $595,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Erie median home value of $685,900 is 37% above the Colorado median, and above what the county limit supports.

Which down payment assistance programs can Erie buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Erie

Erie is in Weld County, where HUD's 2026 FHA limit for a one-unit home is $575,000. With 3.5% down, that supports a purchase price up to about $595,000.

3.5% of $685,900 is about $24,007 with a 580+ credit score (10%, or $68,590, with a 500–579 score), plus closing costs.

At the $685,900 median value (above the Colorado median of $502,200), the estimated payment of $5,352/month at 7.18% needs about $230,000 a year under the 28% housing guideline, or $179,000 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.