FHA Loans · CO
FHA Home Loans in Edwards, CO
Edwards's FHA limit of $1,249,125 — among the highest in CO — puts most local properties within FHA reach despite elevated prices.
3.5% Down
$28,875
Monthly Total
$5,484/mo
2026 FHA Limit
$1,249,125
Income Needed
$173,972/yr
FHA Limit Covers Edwards
FHA loan limits in EAGLE County ($1,249,125) comfortably cover the Edwards median home price ($825,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$28,875
Lower MIP
FHA 10% Down
$82,500
No PMI
Conventional 20%
$165,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $5,120 | $364 | $5,484 |
| Conventional 5% down | — | $457 | $5,540 |
Upfront MIP of $13,932 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
CHFA (Colorado Housing and Finance Authority) offers down payment assistance grants and second mortgage products stackable with FHA — eligible buyers may reduce out-of-pocket to near $0. Income and purchase price limits apply.
CHFA Eligible: Colorado Housing and Finance Authority offers down payment assistance grants and second mortgage products stackable with FHA. Income and purchase price limits apply.
FAQs
Get pre-approved for an FHA loan in Edwards
Low down payment, flexible credit requirements, and DPA stackable programs.