2026 loan limits in Adams County, Colorado
In Adams County, a conventional loan up to $862,500 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $862,500.
Conforming limit (1 unit)$862,500High-cost county
FHA limit (1 unit)$862,500High-cost county
Highest price, 20% down, conforming$1,078,125Loan at the limit
Highest price, 3.5% down, FHA$893,782Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 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 the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,078,125 in Adams County and stay conforming; with 10% down, about $958,333. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $893,782.
Questions
What is the 2026 conforming loan limit in Adams County?
$862,500 for a one-unit home.
What is the 2026 FHA loan limit in Adams County?
$862,500 for a one-unit home.
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2026 limits from HUD’s county files (Denver-Aurora-Centennial, Co). Conforming limits are set by the Federal Housing Finance Agency.