Denver, CO Mortgage Calculator
Estimate your monthly mortgage payment in Denver including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$3,471
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $464,000
LTV: 0.01%
P&I Payment
$3,071
Total Interest
$641,718
over loan life
Payoff
30 yr
Closing Costs
$7,196–$13,432
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$833,750
Conforming Limit
$833,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $3,071 | $384 | $2,687 | $463,616 | $2,687 |
| 2 | $3,071 | $386 | $2,685 | $463,230 | $5,372 |
| 3 | $3,071 | $389 | $2,683 | $462,841 | $8,055 |
| 4 | $3,071 | $391 | $2,681 | $462,450 | $10,736 |
| 5 | $3,071 | $393 | $2,678 | $462,057 | $13,414 |
| 6 | $3,071 | $395 | $2,676 | $461,662 | $16,090 |
| 7 | $3,071 | $398 | $2,674 | $461,264 | $18,764 |
| 8 | $3,071 | $400 | $2,671 | $460,864 | $21,436 |
| 9 | $3,071 | $402 | $2,669 | $460,462 | $24,105 |
| 10 | $3,071 | $405 | $2,667 | $460,057 | $26,772 |
| 11 | $3,071 | $407 | $2,665 | $459,650 | $29,436 |
| 12 | $3,071 | $409 | $2,662 | $459,241 | $32,098 |
Months 1–12 of 360
2025 Loan Limits — Denver County, CO
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $833,750 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $833,750 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Denver Mortgage
What is the average mortgage payment in Denver?
Based on the median home value of $580,000 in Denver, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Denver?
The 2025 FHA loan limit for Denver (Denver County) is $833,750.
What is the conforming loan limit in Denver?
The 2025 conforming loan limit for Denver is $833,750. Loans above this are considered jumbo.