2026 Loan Limits in Minturn, Eagle County
Eagle County is a designated high-cost county for 2026, so the conforming limit is $1,249,125 rather than the $832,750 national baseline. HUD set the county's one-unit FHA limit at $1,249,125 — $707,838 above the $541,287 national floor. At a $622,000 median, both conforming and FHA financing reach the middle of the Minturn market. On 2–4 units, conforming runs $1,598,880/$1,932,896/$2,402,192 and FHA $1,598,880/$1,932,896/$2,402,192, which is how Minturn buyers house-hack a duplex with 3.5% down.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $1,249,125 in Eagle County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Minturn's 2026 FHA ceiling: $1,249,125.
USDA
0% down rural development financing on eligible Minturn addresses. Address must be verified on the USDA eligibility map.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Minturn for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Minturn, Eagle County — a resort market where second-home and short-term-rental demand sets the price floor; median $622,000; county FHA limit $1,249,125.