In 2025, the FHA loan limit set for Silt county of Garfield, CO, is $1,089,300 for a single-family home. For properties with two units, the limit is $1,394,775; for those with three units, it is $1,685,850; and for four units, the cap reaches $2,095,200. These limits determine the maximum financing available through FHA loans.
The highest loan amounts for conventional loans are $948,750 for a single-family residence, $1,214,600 for two units, $1,468,150 for three units, and $1,824,550 for four units. Understanding these caps helps in planning your financing strategies for conventional loans.
Our FHA calculator offers insights into today’s optimal FHA rates, helping calculate the required downpayment, income standards, credit needs, reserves, and essential documentation needed to qualify.
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The Lendersa® calculator allows for a comparative analysis of FHA loan rates and terms with other lending options, including conventional loans, jumbo, VA, USDA, Non-QM, and hard money loans. This tool offers a well-rounded view of the potential financial pathways available to you.
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Refer to the Loan Limits Comparison Table for 2025 in Silt county of Garfield, CO, which details maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For deeper insights into qualification requirements such as income, reserves, and credit criteria, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™), guiding you through the nuances of mortgage qualification.
| 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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