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Jefferson County, CO loan limits (2026)

Quick answer

The 2026 conforming loan limit in Jefferson County, CO is $862,500 for a single-family home; the FHA limit is $862,500. With 3.5% down, that FHA limit supports a purchase price up to about $893,000. Loans above $862,500 are jumbo loans with stricter requirements. Limits come from FHFA and HUD.

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

Jefferson County is a designated high-cost area, so both its conforming and FHA limits sit above the national baseline. The Census Bureau puts the median owner-occupied home value at $604,400, comfortably below the FHA limit, so FHA financing fits most local listings. Buyers elsewhere in Colorado may see different limits, so check the county where the property sits.

What are the 2026 loan limits for 1–4 unit homes in Jefferson County?

PropertyConforming (FHFA)FHA (HUD)
1 unit$862,500$862,500
2 units$1,104,150$1,104,150
3 units$1,334,700$1,334,700
4 units$1,658,700$1,658,700

What do these limits mean for buyers?

  • FHA: HUD will insure a base loan up to $862,500 here, so with 3.5% down the most you can pay is about $893,000. Above that, you'd need a larger down payment.
  • Conventional: loans up to $862,500 get standard Fannie Mae/Freddie Mac pricing with as little as 3% down for eligible buyers.
  • Jumbo: a loan above $862,500 is a jumbo loan — usually 700+ credit and 10%–20% down. With 20% down, that starts at roughly $1,078,000.
  • Metro area: HUD sets FHA limits for Jefferson County as part of the DENVER-AURORA-CENTENNIAL, CO area.

Can I get down payment assistance in Jefferson County?

Cities in Jefferson County

LakewoodArvadaDakota RidgeKen CarylWheat RidgeColumbineGoldenFairmount

Nearby counties

Denver County — FHA $862,500Clear Creek County — FHA $862,500Douglas County — FHA $862,500Gilpin County — FHA $862,500Broomfield County — FHA $862,500Boulder County — FHA $879,750Park County — FHA $862,500Summit County — FHA $1,092,500

Frequently asked questions

$862,500 for a single-family home, per HUD's 2026 FHA forward mortgage limits.

$862,500 for a one-unit property, per FHFA.

When your loan amount exceeds $862,500. With 20% down, that's a purchase price above about $1,078,000.

With the minimum 3.5% down, about $893,000. A bigger down payment lets you buy above that.

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.