Commerce City, CO loan limits: 2026 conforming and FHA context

The local figures answer the first question: Commerce City, CO is connected to Adams County for this 2026 source comparison. For borrower planning, 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 Commerce City, CO, starting with Adams County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Commerce City, CO still need to confirm the selected property's location and legal unit count, because the relevant Adams County row follows the property in place of the city label or mailing address alone. Around Commerce City, 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 Adams County as Commerce City, CO's confirmed county row before comparing the $862,500 and $862,500 program boundaries.

For a decision in Commerce City, CO, Adams 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. In practical terms, 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.