2026 conforming loan limits in Summit County, Colorado
High-cost area: FHFA set this county above the national baseline.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
2026 conforming limit · one unit
$1,092,500
$259,750 above the $832,750 national baseline, and below the $1,249,125 high-cost ceiling. FHFA raises a county's limit where 115% of the local median home value exceeds the baseline.
Limits by property size
FHFA publishes a separate conforming limit for each property size in Summit County. A loan above the figure for its property size is not conforming and is priced as a Jumbo loan.
| Property type | 2026 conforming loan limit |
|---|---|
| 1 unit | $1,092,500 |
| 2 units | $1,398,600 |
| 3 units | $1,690,600 |
| 4 units | $2,101,000 |
Where Summit County sits
Summit County is governed by FHFA’s standard limits, which apply in the other 52 states and territories. Under those, the 2026 baseline is $832,750 and the ceiling is $1,249,125.
FHFA set Summit County $259,750 above the $832,750 baseline — 31.2% higher — because 115% of the local median home value exceeds it. It remains $156,625 below the $1,249,125 ceiling, at 87.5% of that maximum.
How this compares across Colorado
Colorado has 9 distinct one-unit conforming limits, ranging from $832,750 to $1,249,125. $1,092,500 is the 3rd-highest of 9 tiers, shared with 1 other county. Across Colorado, 20 of 64 counties sit above the applicable baseline.
Conforming limit vs FHA limit in Summit County
Two federal frameworks publish a limit for this county, and they are not interchangeable. Conforming limits govern mortgages eligible for purchase by Fannie Mae and Freddie Mac. FHA limits govern mortgages FHA will insure.
| Program | One-unit limit | Authority |
|---|---|---|
| Conforming | $1,092,500 | FHFA · Fannie Mae and Freddie Mac |
| FHA | $1,092,500 | HUD · FHA-insured mortgages |
Both programs happen to publish $1,092,500 for Summit County. The figures coincide; the programs do not.
How these figures were produced
Every conforming figure on this page is read from FHFA's published CY2026 county file. None is derived by applying a multiplier to another limit.
- One- to four-unit conforming limits for Summit County, ColoradoOfficial sourceRead verbatim from the FHFA county spreadsheet. Values are not adjusted.
- Applicable baseline and ceiling ($832,750 / $1,249,125)Official sourceTaken from the published rows of the counties at each band.
- FHA one-unit limit shown for comparisonOfficial sourceA separate HUD dataset for a separate loan program.
- Baseline status of this county-equivalentDerived by DotGovSourceThe published one-unit limit compared against the baseline and ceiling of the statutory regime that applies to this jurisdiction
- Amount and percentage above baseline, distance to ceiling, difference from the FHA limit, and the state comparisonCalculated on this pageSubtraction and ratios over the official figures above, counted across the state’s current geography records
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)