Colorado Springs, CO Mortgage Calculator
Estimate your monthly mortgage payment in Colorado Springs including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$2,757
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $368,000
LTV: 0.01%
P&I Payment
$2,436
Total Interest
$508,949
over loan life
Payoff
30 yr
Closing Costs
$5,909–$11,029
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,436 | $305 | $2,131 | $367,695 | $2,131 |
| 2 | $2,436 | $306 | $2,130 | $367,389 | $4,261 |
| 3 | $2,436 | $308 | $2,128 | $367,081 | $6,389 |
| 4 | $2,436 | $310 | $2,126 | $366,771 | $8,515 |
| 5 | $2,436 | $312 | $2,124 | $366,459 | $10,639 |
| 6 | $2,436 | $314 | $2,122 | $366,146 | $12,761 |
| 7 | $2,436 | $315 | $2,121 | $365,830 | $14,882 |
| 8 | $2,436 | $317 | $2,119 | $365,513 | $17,001 |
| 9 | $2,436 | $319 | $2,117 | $365,194 | $19,118 |
| 10 | $2,436 | $321 | $2,115 | $364,873 | $21,233 |
| 11 | $2,436 | $323 | $2,113 | $364,550 | $23,346 |
| 12 | $2,436 | $325 | $2,111 | $364,226 | $25,457 |
Months 1–12 of 360
2025 Loan Limits — El Paso County, CO
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Colorado Springs Mortgage
What is the average mortgage payment in Colorado Springs?
Based on the median home value of $460,000 in Colorado Springs, 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 Colorado Springs?
The 2025 FHA loan limit for Colorado Springs (El Paso County) is $524,225.
What is the conforming loan limit in Colorado Springs?
The 2025 conforming loan limit for Colorado Springs is $806,500. Loans above this are considered jumbo.