Can I use conventional financing for an APCHA unit in Aspen?

APCHA deed-restricted units have their own financing rules, and many lenders will not place a conventional loan against the resale-price restriction. Some APCHA categories are financeable conventionally and others require a portfolio lender — we review the specific deed restriction on the unit before quoting.

What is the minimum down payment for a conventional Aspen property?

For a free-market Aspen primary residence, conventional requires 5% down (10% for a second home and 15–25% for an investment property). Pitkin County's 2026 high-balance limit of $1,149,825 means conventional only reaches a small slice of Aspen's market; above that, jumbo or portfolio financing applies.

Does Tayton Capital lend on Basalt and Carbondale properties?

Yes. Basalt and Carbondale are where conventional financing is most active in the Roaring Fork Valley, with typical purchases in the $600,000–$900,000 range that fit comfortably inside conforming and high-balance limits.

Conventional Loans · Colorado

Conventional Home Loans in Aspen, Colorado

Aspen's open market runs almost exclusively on jumbo and portfolio financing at median prices that exceed $4M for free-market single-family homes. However, Pitkin County's APCHA (Aspen/Pitki

County

Pitkin County

2026 Loan Limit

$1,149,825 (high-balance)

Median Price

~$4.5M

Minimum Down

Aspen's open market runs almost exclusively on jumbo and portfolio financing at median prices that exceed $4M for free-market single-family homes. However, Pitkin County's APCHA (Aspen/Pitkin County Housing Authority) affordable deed-restricted program and the middle market of Basalt and Carbondale (adjacent Garfield County) represent where conventional financing is actively used. Basalt and Carbondale function as conventional markets at $600,000–$900,000. APCHA properties have their own financing rules — we recommend consulting directly for APCHA-specific guidance. For free-market Aspen transactions below $1.5M (rare but possible for studio condos and employee units), conventional high-balance financing applies.

2026 Conforming Loan Limit — Pitkin County

Pitkin County sits at a 2026 conventional loan limit of $1,149,825 for a single-family home, with a median Aspen sale price of ~$4.5M. That leaves the large majority of Aspen purchases inside conventional pricing rather than jumbo territory.

Aspen Neighborhoods and Price Points

Conventional Loan FAQs — Aspen

More Loan Options in Aspen

FHA Loans in Aspen VA Loans in Aspen Jumbo Loans in Aspen Refinance in Aspen Invest in Aspen First-Time Buyer Guide — Aspen Aspen Mortgage Overview

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As little as 3% down, PMI that cancels, and pricing that beats retail banks.

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