CO mortgage rates

Larimer County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Larimer County, Colorado. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Larimer County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$634,800
2 units$812,650
3 units$982,300
4 units$1,220,800

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Larimer County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Larimer

A local view of the market.

Larimer County, CO, has a competitive real estate market with median home values around $590,000 in 2024. Known for its outdoor recreation and college town atmosphere, it attracts families and students. Fort Collins, the largest city, has a population of around 170,000, while Loveland is also popular with about 78,000 residents. Larimer County offers a suburban-urban mix with an economy based on education, healthcare, and technology. Its quality of life, strong economy, and access to the Rocky Mountains attract a diverse population.

County snapshot

Market context.

CO

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaFort CollinsMapped market area
Area code22660CBSA / MSA reference
Featured communitiesLoveland · Fort CollinsFrom the county record
Data year2026Aligned with this limit record
LovelandFort Collins
Top cities & communities

Communities to explore.

LovelandFort Collins
Questions & Answers

Refinancing in Larimer County

Common questions about 2026 loan limits and refinancing opportunities in Colorado.

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