Centennial, CO loan limits: 2026 conforming and FHA context

Start with the dated local finding: Centennial, CO is connected to Arapahoe County for this 2026 source comparison. The published one-unit conforming limit is $862,500, while the published one-unit FHA limit is $862,500. Those figures organize different program categories; $862,500 is not a conventional loan offer, and $862,500 is not an FHA eligibility finding. For Centennial, CO, starting with Arapahoe County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Centennial, CO still need to confirm the selected property's location and legal unit count, because the relevant Arapahoe County row follows the property rather than the city label or mailing address alone. Around Centennial, CO, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Arapahoe County as Centennial, CO's confirmed county row before comparing the $862,500 and $862,500 program boundaries.

For borrowers in Centennial, CO, Arapahoe County's conforming limit rises from $862,500 for one unit to $1,658,700 for four units, while the FHA figures move from $862,500 to $1,658,700. For the decision at hand, the higher $1,658,700 and $1,658,700 amounts apply to the published four-unit category; they do not apply to a one-unit home merely because a borrower wants a larger loan.