FHA Loans — Security-Widefield, CO
Security-Widefield's affordable price points make it a natural fit for FHA financing. With just 3.5% down and flexible credit requirements, first-time buyers and civilian families can own a home near Fort Carson without draining their savings.
Apply for an FHA Loan
While VA loans dominate the Security-Widefield market, FHA financing serves an important role for civilian buyers, military spouses purchasing independently, and veterans who prefer to preserve their VA entitlement. With median home prices around $385,000—well below the El Paso County FHA limit of $524,225—virtually every home in the community qualifies for FHA financing.
The math is compelling: a 3.5% down payment on a $385,000 home is approximately $13,475. Compare that to 10% down ($38,500) or 20% down ($77,000) for conventional financing, and the accessibility advantage is clear. For buyers with credit scores between 580 and 680—common among younger first-time purchasers—FHA provides approval pathways that conventional lending often cannot match.
Security-Widefield's housing stock is generally well-maintained and passes FHA appraisal inspections without issue. The community's homes, primarily built from the 1970s through 2000s, meet modern safety and habitability standards. We guide borrowers through the process from pre-approval to closing, typically completing FHA transactions in 30–35 days.
3.5% Down Payment
~$13,475 on a $385,000 home
580+ Credit Score
Flexible qualification for first-time buyers
$524,225 Limit
El Paso County FHA cap covers all local homes
Gift Funds Allowed
Down payment can come from family gift money
Calculate your estimated monthly mortgage payment including taxes and insurance
The El Paso County FHA limit is $524,225 for 2025. With median prices around $385,000, most homes are well within FHA parameters.
With a 580+ credit score, just 3.5% down. On a $385,000 home, that is approximately $13,475.
Connect with Emmett directly. Quick response, personalized guidance for your Security-Widefield home purchase.