$862,500 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $862,500 in 10 counties, all in Colorado.
This figure is $29,750 (3.6%) above the $832,750 national baseline, and $386,625 below the $1,249,125 ceiling.
These counties carry one number because the limit is set for the metropolitan or micropolitan area as a whole, and they all belong to the same one.
Limits by property type
| Property type | 2026 limit | Multiple of the one-unit figure |
|---|---|---|
| 1-unit | $862,500 | 1.0000× |
| 2-unit | $1,104,150 | 1.2802× |
| 3-unit | $1,334,700 | 1.5475× |
| 4-unit | $1,658,700 | 1.9231× |
The two-, three- and four-unit limits are set as fixed multiples of the one-unit limit, so they move automatically whenever the one-unit figure moves.
What the limit buys and costs
Maximum purchase price at each down payment
| Down payment | Maximum purchase price |
|---|---|
| 5% down | $907,895 |
| 10% down | $958,333 |
| 15% down | $1,014,706 |
| 20% down | $1,078,125 |
| 25% down | $1,150,000 |
Monthly principal and interest on a $862,500 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $5,171 | $7,278 |
| 6.5% fixed | $5,452 | $7,513 |
| 7.0% fixed | $5,738 | $7,752 |
Principal and interest only, on a loan of exactly $862,500 — the largest conventional loan allowed in these areas before the loan becomes jumbo. Taxes, insurance and mortgage insurance are excluded.
The 10 counties on this figure
| County | State or territory | 2025 1-unit | 2024 1-unit | Change |
|---|---|---|---|---|
| Adams County | Colorado | $833,750 | $816,500 | +3.4% |
| Arapahoe County | Colorado | $833,750 | $816,500 | +3.4% |
| Broomfield County | Colorado | $833,750 | $816,500 | +3.4% |
| Clear Creek County | Colorado | $833,750 | $816,500 | +3.4% |
| Denver County | Colorado | $833,750 | $816,500 | +3.4% |
| Douglas County | Colorado | $833,750 | $816,500 | +3.4% |
| Elbert County | Colorado | $833,750 | $816,500 | +3.4% |
| Gilpin County | Colorado | $833,750 | $816,500 | +3.4% |
| Jefferson County | Colorado | $833,750 | $816,500 | +3.4% |
| Park County | Colorado | $833,750 | $816,500 | +3.4% |
Every county listed uses $862,500 for a one-unit property. Click a county to price a specific loan in the calculator.
Where this figure applies
| State or territory | Counties on $862,500 | Counties in total | State page |
|---|---|---|---|
| Colorado | 10 | 64 | Colorado → |
Neighbouring limits
Frequently asked
Why is the conforming loan limit $862,500 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $862,500.
How many counties share it?
10 counties use $862,500 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $862,500 for a one-unit property.
What is the four-unit limit?
$1,658,700 for 2026, or 1.9231 times the one-unit figure.