Conventional Loans — Fort Collins, CO
Conventional loans offer Fort Collins buyers competitive rates, flexible terms, and conforming limits up to $816,500 in Larimer County. With as little as 3% down, conventional financing is the go-to choice for buyers with solid credit in Northern Colorado.
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Fort Collins' median home price of roughly $550,000 falls well within Larimer County's $816,500 conforming limit, making conventional loans the most popular financing choice for local homebuyers. Whether you're a CSU graduate buying your first home near campus or upgrading to a family home in Fossil Creek or Ridgewood Hills, conventional lending offers the flexibility and competitive rates that Northern Colorado buyers need.
Buyers with 20% down avoid private mortgage insurance entirely, while those with 5–19% down pay PMI that automatically cancels at 22% equity. First-time buyers can take advantage of 3% down programs through Fannie Mae HomeReady and Freddie Mac Home Possible, keeping cash reserves intact for the competitive Fort Collins market where strong offers need solid financials behind them.
Conventional loans also shine for second-home purchases—buyers from Denver who want a mountain-access retreat in the Fort Collins area can finance with as little as 10% down on a conventional second-home loan, something government programs don't offer.
As Low as 3% Down
First-time buyer programs available
$816,500 Limit
Larimer County conforming cap
PMI Drops Off
Auto-cancels at 22% equity
Flexible Terms
15, 20, or 30-year fixed and ARM options
Calculate your estimated monthly mortgage payment including taxes and insurance
Larimer County's 2025 limit is $816,500 for single-family homes.
Yes, through Fannie Mae HomeReady and Freddie Mac Home Possible programs.
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