FHA Loan Limits and USDA Eligibility in Lake County, Colorado

2026 FHA one-unit limit in Lake County is $1,092,500. Two-unit is $1,398,600, three-unit is $1,690,600, and four-unit is $2,101,000. USDA 502 Guaranteed 1–4 person moderate income is $132,100. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for Colorado

Colorado one-unit limits:
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Colorado

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EligibleIneligibleUSDA ineligible boundary

Lake County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
80461$1,092,500$132,100
81251$1,092,500$132,100

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Loan Options in Lake County

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Lake County address. Then they can match you if you qualify.

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