For a one-unit home, the conforming loan limit across the Denver metro counties covered by this page is $862,500 in 2026. That same limit applies in Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, and Park counties, and loans above that threshold are generally considered jumbo.
There are higher limits for multi-family properties, as noted in the chart below.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| ADAMS | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| ARAPAHOE | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| BROOMFIELD | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| CLEAR CREEK | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| DENVER | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| DOUGLAS | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| ELBERT | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| GILPIN | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| JEFFERSON | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| PARK | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
Two government-sponsored enterprises (GSEs) purchase loans from mortgage lenders: Fannie Mae and Freddie Mac.
Conforming loans are those that meet the size requirements used by Freddie Mac and Fannie Mae. If these size requirements are exceeded, the loans are considered to be “jumbo loans.”
Borrowers who need to take out a jumbo loan will likely have to meet stricter loan requirements because of the higher loan amount borrowed.
In 2026, the conforming loan limit for a single-family property in the Denver metro area is $862,500.
In the Denver metro area, Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, and Park counties all have the same conforming loan limits.
Beyond the Denver metro area, the 2026 loan limit for the majority of other counties across the state rose to $832,750 for 2026.
Please note: Qualified borrowers with sufficient income are typically eligible to borrow more than the conforming loan limit for their county. This would be considered a “jumbo” mortgage scenario.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans, as well as the 2026 conforming loan limits for Colorado.
The conforming loan limit helps determine whether your financing stays within conforming guidelines or moves into jumbo territory. For Denver-area buyers, that can affect how much you may want to borrow for a given purchase price, especially if your down payment is small enough that your loan amount rises above the one-unit limit.
County and property type both matter. A one-unit home uses the one-unit limit shown above, while duplexes, triplexes, and four-unit properties have higher conforming limits. County matters too, because loan limits are set by county. The Denver metro counties listed on this page share the same conforming limit, but other Colorado counties can differ. If you are shopping near a county line or considering a multi-unit property, it is smart to confirm the applicable limit before deciding whether you can stay conforming or may need a jumbo mortgage.
Conforming loan limits are set annually by the Federal Housing Finance Agency (FHFA) under the Housing and Economic Recovery Act (HERA) formula. These limits can vary by county and by property type, which is why one-unit, two-unit, three-unit, and four-unit properties have different thresholds.
For 2026, FHFA announced updated conforming loan limit values nationwide. In most areas of the country, the baseline conforming loan limit for one-unit properties increased, while higher-cost areas can have higher ceilings.
“U.S. Federal Housing (FHFA) today announced the conforming loan limit values (CLLs) for mortgages Fannie Mae and Freddie Mac (the Enterprises) will acquire in 2026. In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250 from 2025.”
FHFA also noted that the new ceiling loan limit for one-unit properties will be $1,249,125, which is 150 percent of $832,750. That framework helps explain why conforming loan limits differ across counties and why Denver-area limits should be reviewed by both county and property-unit count.
Sammamish Mortgage can help. We serve clients across Washington, Idaho, Colorado, Oregon, and California. Since 1992, we’ve been providing several mortgage programs and products with flexible qualification criteria to borrowers across the Pacific Northwest. Visit our website to get an instant rate quote or to use our online mortgage calculator. Or, reach out to us if you are ready to get pre-approved for a mortgage.
For a one-unit home, the conforming loan limit in Denver County is $862,500 in 2026. Higher limits apply to two-unit, three-unit, and four-unit properties.
In 2026, the one-unit conforming loan limit in the Denver metro counties covered here is $862,500.
The same conforming loan limits apply in Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, and Park counties.
Yes. Multi-unit properties have higher conforming loan limits than one-unit homes. The applicable limit depends on the property having one, two, three, or four units.
A loan above the applicable conforming limit is generally considered a jumbo loan. Borrowers often face stricter qualification requirements because of the larger loan amount.
In the Denver metro counties covered here, a $600,000 loan for a one-unit home would be within the conforming limit because the one-unit cap is $862,500 in 2026. Other counties can have different limits, so the county still matters.
Freddie Mac and Fannie Mae use the same conforming loan limits. FHFA announced that the 2026 baseline conforming loan limit for one-unit properties in most U.S. counties is $832,750, while higher-cost areas can have higher limits.
Yes. FHFA announced updated 2026 conforming loan limits, with the baseline one-unit limit in most areas increasing to $832,750 and higher-cost areas allowed to use higher ceilings.
No. The Denver metro counties on this page share the same conforming limits with one another, but other Colorado counties can differ. The article notes that many other Colorado counties use $832,750 for a one-unit property in 2026.
The conforming limit helps determine whether financing stays within conforming guidelines or moves into jumbo territory. That can affect how much a buyer may want to borrow for a given purchase price, especially when a smaller down payment pushes the loan amount above the one-unit limit.
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