Summit County, Colorado loan limits — 2026.
Breckenridge, Frisco, Silverthorne, Dillon, Keystone. Designated high-cost ski-resort area.
2026 loan limits at a glance
Summit County shares its 2026 high-cost limit with neighboring Lake County. All Summit towns use the same limits.
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| VA (full entitlement) | No limit | No limit | No limit | No limit |
| VA (partial entitlement) | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Conforming (high-cost) | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| FHA | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Jumbo | > $1,092,500 | > $1,398,600 | > $1,690,600 | > $2,101,000 |
Picking the right program in Summit
Primary residence under $1.09M? High-cost conforming is the lowest-rate option, 5% down available with PMI.
Second home in Breck or Keystone? Second-home jumbo with 10%+ down is our most common product here. No PMI on lender-paid pricing, 720+ credit preferred.
Short-term rental investment? DSCR loans qualify on rental income, no W-2s or tax returns. We confirm legal STR zoning before pricing — Summit County has different rules per municipality.
Above $1.09M? Jumbo on primary, second-home, or investment up to $5M with our portfolio shelves.
Summit County loan FAQs
What is the 2026 conforming loan limit in Summit County, CO?+
Summit County is a designated high-cost ski-resort area. The 2026 conforming (Fannie Mae / Freddie Mac) one-unit loan limit is $1,092,500 — far above the national $832,750 baseline.
What is the 2026 FHA loan limit in Summit County?+
The 2026 FHA one-unit limit in Summit County is $1,092,500, matching the high-cost conforming limit. Multi-unit limits run from $1,398,600 (2-unit) to $2,101,000 (4-unit).
What is the 2026 VA loan limit in Summit County?+
Veterans with full entitlement face no hard limit and can borrow above $1,092,500 with zero down. Veterans with partial entitlement are capped at $1,092,500 in Summit County.
When do I need a jumbo loan in Breckenridge or Keystone?+
Any loan above $1,092,500 in Summit County is jumbo. Most Breckenridge ski-in/ski-out properties and Keystone luxury condos require jumbo or second-home jumbo financing.
Can I get a second-home loan in Summit County?+
Yes — second-home jumbo is one of our highest-volume products in Summit. 10% down second-home jumbo is available with 700+ credit. The home cannot be in a short-term rental program full-time for second-home pricing.
What about short-term rental (Airbnb) financing in Breckenridge?+
For STR-focused investment properties we use DSCR loans, which qualify on projected nightly income rather than W-2 income. Summit County's STR regulations and zoning vary by neighborhood — we verify legal STR use before locking pricing.
Buying in Breckenridge or Keystone?
Pricing for primary, second-home, or DSCR loans in 24 hours.