Due to new guidelines in 2026, FHA loan limits in Commerce-City county, part of Adams, CO, are defined as $596,850 for a single-family dwelling, $764,050 for properties with 2-units, $923,600 for those with three units, and $1,147,800 for 4-unit residences.
The cap on conventional loans stands for houses with one unit at $596,850; for dual-unit structures, it’s $764,050; for triplexes it is $923,600, and for four-unit buildings, the maximum is $1,147,800.
Our FHA calculator is designed to guide you in finding the most favorable FHA rates available today, helping estimate necessary down payments, assess income, credit, reserves, and prepare the required documents for loan qualification.
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With the Lendersa® calculator, you can easily compare FHA rates and terms alongside those from other loan programs. This includes opportunities to explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® promptly acquires detailed loan data from a wide array of lenders and efficiently compares it to align with your unique financial needs and qualifications in a matter of seconds.
In 2026, the Loan Limits Comparison Table for the county of Commerce-City, within Adams, CO, offers a comprehensive view of maximum loan amounts. Categories included are FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money alternatives. To analyze the required qualifying factors such as income, reserves, and credit criteria, consider using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $596,850 | $764,050 | $923,600 | $1,147,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $596,850 | $764,050 | $923,600 | $1,147,800 |
| USDA | $477,400 | $477,400 | $477,400 | $477,400 |
| VA | $596,850 | $764,050 | $923,600 | $1,147,800 |
| 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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