For 2025, the FHA loan limits within Carbondale county, located in the broader region of Garfield, CO, are: $1,089,300 for a home with one unit, $1,394,775 for dual units, $1,685,850 for tri-units, and $2,095,200 for properties with four residential units.
Regarding conventional loans, the upper limit for amounts on a single-unit family home is $948,750. For properties with two units, the cap is $1,214,600, escalating to $1,468,150 for three-unit homes, and finally, $1,824,550 when it comes to four-unit properties.
Utilize our FHA-focused calculator to explore present-day FHA competitive rates. Furthermore, it will guide you through aspects such as down payment calculations, income assessment, credit status evaluation, reserve checks, and the array of documents essential for qualification procedures.
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The Lendersa® calculator serves as a valuable tool, enabling users to juxtapose FHA rate specifics and terms alongside those presented by a variety of other loan schemes. These include, but are not limited to, conventional loans, jumbo loans, VA loans, USDA options, Non-QM, and hard money loan alternatives. Dive deep into understanding these comparisons to find the optimal choice.
Drawing upon data from numerous lenders across the nation, Lendersa® swiftly aligns extensive loan program data with your specific financial scenario and aspirations, ensuring you have the most relevant options at your disposal.
Within 2025, the Loan Limits Comparison Table for Carbondale county in Garfield, CO stands as an invaluable resource, allowing comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For details on qualification criteria, such as income levels, required reserves, and credit scores, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is your go-to solution.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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