2023 Colorado Conventional Loan Limits
New conforming loan limits have been released for 2023. On average, loan limits have increased by roughly 12% compared to 2022. The new national loan limit is $726,200 unless the property is located in a high-cost area. High-cost areas are based on County. Due to significant price increases in recent years all across the State, many Counties in Colorado are eligible for loan amounts above $726,200.
Please note even though we can exceed the $726,200 loan amount, interest rates will be slightly higher, typically .125%-.25% above regular conforming rates. These loan amounts apply to all conventional loans except first-time buyer/income restricted programs – Home Possible & Home Ready(Cannot exceed the national loan limit of $726,200). You can also check out FHA loan limits here.
| County Name | One-Unit (Single-Family) | Two-Unit (Duplex) | Three-Unit (Triplex) | Four-Unit (Multi-Plex) |
| ADAMS COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| ALAMOSA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ARAPAHOE COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| ARCHULETA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BACA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BENT COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BOULDER COUNTY | $856,750 | $1,096,800 | $1,325,800 | $1,647,650 |
| BROOMFIELD COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| CHAFFEE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CHEYENNE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CLEAR CREEK COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| CONEJOS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| COSTILLA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CROWLEY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CUSTER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DELTA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DENVER COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| DOLORES COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DOUGLAS COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| EAGLE COUNTY | $1,075,250 | $1,376,550 | $1,663,900 | $2,067,850 |
| EL PASO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ELBERT COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| FREMONT COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GARFIELD COUNTY | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| GILPIN COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| GRAND COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GUNNISON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HINSDALE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HUERFANO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| JACKSON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| JEFFERSON COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| KIOWA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| KIT CARSON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LA PLATA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LAKE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LARIMER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LAS ANIMAS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LINCOLN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LOGAN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MESA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MINERAL COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MOFFAT COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONTEZUMA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONTROSE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MORGAN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OTERO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OURAY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PARK COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| PHILLIPS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PITKIN COUNTY | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| PROWERS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PUEBLO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| RIO BLANCO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| RIO GRANDE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ROUTT COUNTY | $845,250 | $1,082,100 | $1,308,000 | $1,625,500 |
| SAGUACHE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SAN JUAN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SAN MIGUEL COUNTY | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| SEDGWICK COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SUMMIT COUNTY | $953,350 | $1,220,450 | $1,475,250 | $1,833,400 |
| TELLER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WASHINGTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WELD COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| YUMA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
NOTES:
Limits are specific to loan amounts, not restrictions on purchase price. Purchase price has no limits assuming a borrower will have the down payment required to cover the difference between the purchase price and maximum loan amount.
- Applies to fixed loans and ARMs.
- Property Types: Single Family, Condos, Townhomes, Manufactured/Modular
- News story from CNBC
- Official Fannie Mae Announcement
- Official Freddie Mac Announcement
- New 2023 FHA Loan Limits
- Difference Between FHA and Conventional
- Colorado Mortgage Rates