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FHA loans in Gunbarrel, CO

Quick answer

The 2026 FHA loan limit in Gunbarrel, CO (Boulder County) is $879,750 for a single-family home, enough for a purchase price up to about $911,000 with 3.5% down. On the $789,200 median home value, that down payment is about $27,622 and the estimated payment is $6,126/month at 7.18%, which needs roughly $263,000 a year in income.

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

Median household income: $111,506; value-to-income ratio 7.08. Gunbarrel ranks 11 by home value and 68 by population among 70 places in our CO dataset.

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

ItemGunbarrel
Median home value (Census ACS)$789,200
Colorado median home value$502,200
Down payment (3.5%)$27,622
Loan incl. 1.75% upfront MIP$774,906
Estimated monthly payment (PITI + MI)$6,126
Income needed (28% / 36%)$263,000 / $205,000
Boulder County 2026 FHA limit (1 unit)$879,750
Max purchase price at the limit$911,000

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 Gunbarrel?

Gunbarrel is in Boulder County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $879,750. With the minimum 3.5% down, that caps the purchase price at about $911,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $879,750).

The Gunbarrel median home value of $789,200 is 57% above the Colorado median, and within what the county limit supports.

Which down payment assistance programs can Gunbarrel buyers use?

FHA loans in nearby cities

BoulderLafayetteLouisvilleErieLongmontSuperior

FHA loan FAQs for Gunbarrel

Gunbarrel is in Boulder County, where HUD's 2026 FHA limit for a one-unit home is $879,750. With 3.5% down, that supports a purchase price up to about $911,000.

3.5% of $789,200 is about $27,622 with a 580+ credit score (10%, or $78,920, with a 500–579 score), plus closing costs.

At the $789,200 median value (above the Colorado median of $502,200), the estimated payment of $6,126/month at 7.18% needs about $263,000 a year under the 28% housing guideline, or $205,000 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.