In 2025, the FHA loan limit applied in Manitou-Springs county of El Paso, located within CO, is established as $393,300 for a single-family home. This limit ascends to $503,500 for properties with two units, $608,600 for those with three units, and finally, $756,350 for buildings with four units. It's important for prospective homebuyers and investors to understand these limits as they delineate the maximum amount that can be borrowed through FHA financing, based on property size.
Regarding conventional loan options, the maximum loan allocation differs: a single-family residence is eligible for up to $548,250. For a dwelling that comprises two units, the limit increases to $702,000; for buildings with three units, this cap is raised to $848,500, and for properties with four residing units, the maximum possible loan reaches $1,054,500. These limits are crucial for financial planning and determining what loan amount you can secure under conventional loan terms.
Leverage our FHA calculator to uncover today’s optimal FHA rates. This tool is designed to assist you in determining key aspects such as the essential down payment, evaluating whether your income meets the requirements, assessing credit score implications, confirming if your reserves are sufficient, and identifying the necessary documents to qualify for a loan. Comprehensive and user-friendly, this calculator is indispensable for anyone navigating the complexities of home financing.
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The Lendersa® calculator is an invaluable asset, facilitating detailed comparisons of FHA loan rates and terms against other loan categories. These categories include conventional loans, jumbo loans, VA loans, USDA options, Non-QM loans, and hard money loans. By exploring this spectrum, users can make informed decisions that align with their financial circumstances and preferred lending criteria.
Through comprehensive data collection from thousands of lenders, Lendersa® can rapidly match available loan programs with your specific financial profile and requirements. This approach ensures you are presented with loan options that are genuinely tailored to your situation, empowering you to make sound borrowing decisions.
The Loan Limits Comparison Table for 2025 in Manitou-Springs county within El Paso, CO, provides an extensive overview of the maximum loan amounts available through FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. To accurately assess qualification criteria like income, reserves, and credit conditions, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) serves as an essential tool, offering deep insights and guidance on navigating complex lending scenarios effectively.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $393,300 | $503,500 | $608,600 | $756,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $314,600 | $314,600 | $314,600 | $314,600 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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