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 $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. 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.
The 2026 FHA loan limit in Eagle County is $1,249,125. The Beaver Creek median home price is $3,500,000, which is above the FHA limit. Buyers may need to cover the gap with a larger down payment or explore jumbo financing.
Down Payment Comparison
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $7,652 | $552 | $8,204 |
| Conventional 5% down | — | $1,164 | $22,454 |
Upfront MIP of $21,095 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
Colorado buyers in Eagle County can pair FHA with CHFA first-mortgage and down payment assistance programs, which can cover the 3.5% minimum through a second mortgage or grant. Income and purchase-price caps apply and are set by county, so we check eligibility against the $3,500,000 Beaver Creek median before you write an offer.
FAQs
Get pre-approved for an FHA loan in Beaver Creek
Low down payment, flexible credit requirements, and DPA stackable programs.