FHA Home Loans in Beaver Creek, CO

Beaver Creek is a resort market where second-home and short-term-rental demand sets the price floor. Eagle County is a designated high-cost county for 2026, so the conforming limit is $1,249,125 rather than the $847,440 national baseline. HUD set the county's one-unit FHA limit at $1,249,125 — $707,838 above the $541,287 national floor. With a median around $3,500,000, the typical Beaver Creek purchase already sits above the conforming limit, so jumbo or high-balance financing is the normal path here. Because the $1,249,125 FHA ceiling lands below the $3,500,000 median, FHA buyers in Beaver Creek are generally shopping the lower half of the market, buying a condo or townhome, or bringing more than the 3.5% minimum to close the gap. On 2–4 units, the FHA limits step up to $1,598,880 (duplex), $1,932,896 (triplex), and $2,402,192 (fourplex) — the route Colorado buyers use to house-hack with 3.5% down while tenants carry part of the payment.