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FHA loans in Loveland, CO

Quick answer

The 2026 FHA loan limit in Loveland, CO (Larimer County) is $634,800 for a single-family home, enough for a purchase price up to about $657,000 with 3.5% down. On the $453,100 median home value, that down payment is about $15,859 and the estimated payment is $3,606/month at 7.18%, which needs roughly $155,000 a year in income.

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

Median household income: $82,592; value-to-income ratio 5.49. Loveland ranks 46 by home value and 15 by population among 70 places in our CO dataset.

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

ItemLoveland
Median home value (Census ACS)$453,100
Colorado median home value$502,200
Down payment (3.5%)$15,859
Loan incl. 1.75% upfront MIP$444,893
Estimated monthly payment (PITI + MI)$3,606
Income needed (28% / 36%)$155,000 / $121,000
Larimer County 2026 FHA limit (1 unit)$634,800
Max purchase price at the limit$657,000

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 Loveland?

Loveland is in Larimer County where HUD's 2026 one-unit FHA limit is $634,800. With the minimum 3.5% down, that caps the purchase price at about $657,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Loveland median home value of $453,100 is 10% below the Colorado median, and within what the county limit supports.

Which down payment assistance programs can Loveland buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Loveland

Loveland is in Larimer County, where HUD's 2026 FHA limit for a one-unit home is $634,800. With 3.5% down, that supports a purchase price up to about $657,000.

3.5% of $453,100 is about $15,859 with a 580+ credit score (10%, or $45,310, with a 500–579 score), plus closing costs.

At the $453,100 median value (below the Colorado median of $502,200), the estimated payment of $3,606/month at 7.18% needs about $155,000 a year under the 28% housing guideline, or $121,000 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.