2026 Loan Limits in Gypsum, Eagle County
Gypsum is in Eagle County, one of Colorado's high-cost areas, where both the high-balance conforming and FHA limits reach $1,249,125 in 2026. Loans up to $1,249,125 are still Fannie Mae / Freddie Mac eligible — but at high-balance pricing, which carries a small rate premium over the $832,750 standard conforming baseline. Any loan above $1,249,125 is jumbo and requires portfolio or non-agency financing. Some addresses on the rural outskirts of Gypsum may qualify for USDA 0% down financing. Eligibility is property-specific and must be verified — contact us to check any address.
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. Gypsum's 2026 FHA ceiling: $1,249,125.
USDA
0% down rural development financing on eligible Gypsum 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 Gypsum 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
Eagle County limits; workforce housing for Vail/Beaver Creek workers; USDA outskirts possible.