2026 loan limits in Routt County, Colorado
In Routt County, a conventional loan up to $1,089,050 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,089,050.
Conforming limit (1 unit)$1,089,050High-cost county
FHA limit (1 unit)$1,089,050High-cost county
Highest price, 20% down, conforming$1,361,313Loan at the limit
Highest price, 3.5% down, FHA$1,128,549Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,089,050 | $1,089,050 |
| 2 units | $1,394,200 | $1,394,200 |
| 3 units | $1,685,250 | $1,685,250 |
| 4 units | $2,094,350 | $2,094,350 |
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 $1,361,313 in Routt County and stay conforming; with 10% down, about $1,210,056. 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 $1,128,549.
Questions
What is the 2026 conforming loan limit in Routt County?
$1,089,050 for a one-unit home.
What is the 2026 FHA loan limit in Routt County?
$1,089,050 for a one-unit home.
More for Routt County
2026 limits from HUD’s county files (Steamboat Springs, Co). Conforming limits are set by the Federal Housing Finance Agency.