{"id":83545,"date":"2023-05-15T13:30:29","date_gmt":"2023-05-15T20:30:29","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=83545"},"modified":"2024-01-24T15:19:07","modified_gmt":"2024-01-24T23:19:07","slug":"what-is-a-jumbo-loan-in-colorado","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/what-is-a-jumbo-loan-in-colorado\/","title":{"rendered":"What is a Jumbo Loan in Colorado in 2024?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For many individuals and families, owning a <a href=\"https:\/\/www.redfin.com\/state\/Colorado\" data-wpel-link=\"exclude\">home in Colorado<\/a> is a lifelong dream. However, with rising real estate prices, some may find themselves seeking financing beyond the conforming loan limit. In this instance, you&#8217;d need to apply for a jumbo loan. Whether your sights are set on a charming <a href=\"https:\/\/www.redfin.com\/city\/5155\/CO\/Denver\" data-wpel-link=\"exclude\">house in Denver<\/a> or a sprawling <a href=\"https:\/\/www.redfin.com\/city\/2025\/CO\/Boulder\" data-wpel-link=\"exclude\">property in Boulder<\/a>, join us as we delve into the intricacies of jumbo loans in Colorado in 2024.\u00a0<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-83548\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/05\/355-Jenkins-Ln-11.jpg\" alt=\"\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/05\/355-Jenkins-Ln-11.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/05\/355-Jenkins-Ln-11-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/05\/355-Jenkins-Ln-11-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/05\/355-Jenkins-Ln-11-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/05\/355-Jenkins-Ln-11-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/05\/355-Jenkins-Ln-11-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/05\/355-Jenkins-Ln-11-450x300.jpg 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">What is a jumbo loan?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">What exactly is a jumbo loan in Colorado? A <\/span><a href=\"https:\/\/www.redfin.com\/guides\/what-is-a-jumbo-loan\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">jumbo loan<\/span><\/a><span style=\"font-weight: 400;\"> is a specialized type of mortgage that comes into play when you&#8217;re seeking financing for a home that surpasses the conforming loan limits (CLL) established by the Federal Housing Finance Agency (FHFA). Typically, this type of loan is necessary for upscale, luxurious properties or those situated in pricey housing markets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re considering purchasing a home that requires financing beyond the conforming loan limit, then you&#8217;ll need to go for a jumbo loan. <\/span><span style=\"font-weight: 400;\">Colorado<\/span><span style=\"font-weight: 400;\"> jumbo loans allow you to borrow more money to buy a more expensive home, but they also come with higher interest rates and stricter requirements than conventional loans.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is the jumbo loan limit in Colorado?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In 2024, the conforming loan limit for most U.S. real estate markets is $766,550. However, the loan limit in Colorado depends on what county you&#8217;re planning to buy a home in.\u00a0<\/span><\/p>\n<ul>\n<li><b>$766,550 is the conforming loan limit in most Colorado counties<\/b><\/li>\n<li><b>$$1,149,825 is the maximum limit in higher-cost counties<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As a reminder, the loan amount is what determines whether or not you\u2019ll need a jumbo loan, not the price of the home you&#8217;re buying. So, if you were to put $50,000 down on a $750,000 <\/span><a href=\"https:\/\/www.redfin.com\/county\/390\/CO\/Jackson-County\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in Jackson County<\/span><\/a><span style=\"font-weight: 400;\">, the loan would be $700,000, which is under the CLL for this area. In this case, your loan wouldn\u2019t be considered a jumbo loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following counties in Colorado have a conforming loan limit <\/span><i><span style=\"font-weight: 400;\">beyond <\/span><\/i><span style=\"font-weight: 400;\">$766,550 for 2024:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>County<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>FHFA Conforming Loan Limit<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Adams County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Arapahoe County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Boulder County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$856,750<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Broomfield County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Clear Creek County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Denver County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Douglas County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Eagle County<\/span><\/td>\n<td>$1,149,825<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">El Paso County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Elbert County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Garfield County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,149,825<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Gilpin<\/span> <span style=\"font-weight: 400;\">County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Jefferson County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Park County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pitkin County<\/span><\/td>\n<td>$1,149,825<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Routt County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,012,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">San Miguel County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$994,750<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Summit County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,006,250<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">This <\/span><a href=\"https:\/\/www.fhfa.gov\/DataTools\/Tools\/Pages\/Conforming-Loan-Limit-Map.aspx\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">FHFA map<\/span><\/a><span style=\"font-weight: 400;\"> will give you more specific information related to the conforming loan limits in your county.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What are the requirements for a jumbo loan in Colorado?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Borrowers must meet stricter requirements to qualify for a jumbo loan than they would for a conforming loan. Each lender may have different requirements or processes, but below are the typical requirements for borrowers seeking a jumbo loan.<\/span><\/p>\n<p><b>Higher credit score: <\/b><span style=\"font-weight: 400;\">When it comes to applying for a jumbo loan in Colorado, credit score requirements are typically more stringent than for conventional mortgages. While some lenders may be willing to accept a lower score, a credit score of at least 720 is generally required to qualify for a jumbo loan. It&#8217;s important to have a strong credit profile and a solid financial history to increase your chances of being approved for a jumbo loan.<\/span><\/p>\n<p><b>Larger down payment:<\/b><span style=\"font-weight: 400;\"> Purchasing a high-priced home usually requires a larger <\/span><a href=\"https:\/\/www.redfin.com\/guides\/down-payments-and-home-loans\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">down payment<\/span><\/a><span style=\"font-weight: 400;\"> from the buyer. Conventional mortgages may offer programs for down payments as low as 3%- 5%, but non-conforming loans require a minimum down payment of 10%, with some lenders requiring up to 30%. If the borrower puts down less than 20%, they will likely need to pay for <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-pmi-insurance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">private mortgage insurance (PMI)<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>More assets:<\/b><span style=\"font-weight: 400;\"> Colorado jumbo loan lenders generally require borrowers to demonstrate a strong financial profile, including substantial liquid assets or savings. To qualify for a jumbo loan, borrowers must have enough reserves to cover at least one year of mortgage payments. This requirement ensures that borrowers have the financial flexibility to meet their loan obligations in the event of a financial hardship.<\/span><\/p>\n<p><b>Lower debt-to-income ratio (DTI): <\/b><span style=\"font-weight: 400;\">When applying for either a conforming loan or non-conforming loan, lenders evaluate your spending habits and creditworthiness by analyzing your <\/span><a href=\"https:\/\/www.redfin.com\/guides\/buy\/calculate-debt-to-income-ratio\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">debt-to-income ratio (DTI)<\/span><\/a><span style=\"font-weight: 400;\">. The DTI is determined by dividing the total of your monthly debt payments by your gross monthly income. While some lenders may accept a DTI as high as 50% for a conforming loan, those applying for a jumbo mortgage should aim for a DTI under 43% and ideally closer to 36%.<\/span><\/p>\n<p><b>Additional home appraisals:<\/b><span style=\"font-weight: 400;\"> For a jumbo loan, mortgage lenders may require a second <\/span><a href=\"https:\/\/www.redfin.com\/guides\/home-appraisal-everything-you-need-to-know\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">appraisal<\/span><\/a><span style=\"font-weight: 400;\"> to ensure that the property&#8217;s value is accurate. This is particularly true in counties where there are few comparable property sales. The appraisal acts as a second opinion and helps the mortgage lender to mitigate their risk. It&#8217;s important to note that the cost of a second appraisal may be higher than a typical home appraisal, particularly in areas with fewer sales.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s break down what a jumbo loan is in Colorado, the 2024 conforming loan limits, and what\u2019s needed to qualify for this type of loan.<\/p>\n","protected":false},"author":613,"featured_media":83548,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2656],"tags":[34502],"coauthors":[34747],"class_list":["post-83545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-insights","tag-co"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is a Jumbo Loan in Colorado 2024? 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