In the year 2026, the FHA loan limits for properties in New-Castle county of Garfield, within CO, are defined as follows: the allowable limit for a single-family home is $822,375. For properties with two units, the loan limit extends to $1,053,000. If a property consists of three units, the cap is $1,272,750, and for those with four units, the maximum is $1,581,750. Understanding these limits is crucial for buyers looking to finance through FHA, as they specify the maximum amount that can be borrowed depending on the property type.
When it comes to conventional loans, the maximum loan amount available for a single-family home is $765,600. For homes that contain two units, this maximum rises to $980,325, and for three-unit residences, it further increases to $1,184,925. For four-unit properties, the highest attainable loan amount is $1,472,550. These figures are vital for those planning their finances under conventional lending guidelines.
Our FHA calculator is an invaluable resource for uncovering today’s most competitive FHA rates. This efficient tool helps determine essential details like the required down payment, income prerequisites, credit score assessments, reserves, and the documents necessary for qualifying. By obtaining this information, potential homeowners can better prepare for the loan application process.
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The Lendersa® calculator facilitates the comparative analysis of FHA rates and terms with a variety of other loan programs. Explore and compare options including conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA, to develop a comprehensive understanding of the available funding choices tailored to your unique financial situation.
Lendersa® benefits from access to extensive loan program data from thousands of lenders. This allows swift comparisons against your personal financial profile, ensuring that the most fitting and advantageous loan options are presented. Such efficiency guarantees that you are making informed borrowing decisions.
The Loan Limits Comparison Table for 2026 in New-Castle county of Garfield, CO, provides a thorough overview of the maximum loan amounts permissible across different types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For insights into qualification criteria — that include income requirements, reserves, and credit considerations — utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™), which offers detailed analysis and guidance to streamline your lending choices.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| 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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