In 2026, the FHA loan ceilings for different household types within Centennial county, located in Arapahoe, CO, are outlined as follows: for a single-family house, the limit is $787,750, for a duplex, the cap stands at $1,008,450, for a triplex, the threshold is $1,219,000, and for a fourplex, it is $1,514,950.
Concerning conventional home loans, the maximum borrowing amounts are detailed thus: for single-family homes, it is $787,750, for homes with two units, it is capped at $1,008,450, for three-unit properties, it reaches up to $1,219,000, and for four-unit homes, the limit is $1,514,950.
Take advantage of our FHA calculator to uncover the most competitive FHA rates available today. This tool will also help you assess the essential requirements needed to qualify for a loan, such as the necessary down payment, income level, credit score, financial reserves, and required documentation.
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The Lendersa® calculator is designed to empower you to compare the rates and terms of FHA loans with other types of loan programs effectively. You can delve into and analyze loan types such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® efficiently aggregates loan program data from a vast array of thousands of lenders, swiftly comparing this data with your specific financial circumstances and unique requirements in mere seconds.
The Loan Limits Comparison Table for 2026, applicable in Centennial county within Arapahoe, CO, enables you to contrast the highest possible loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess different qualification criteria, such as income, reserves, and credit score requirements, consider using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| USDA | $547,400 | $547,400 | $547,400 | $547,400 |
| VA | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
| 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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