FHA Home Loans in Vail, CO
With a $1,855,000 median, the $1,249,125 FHA limit covers 67.3% of typical Vail purchases — buyers at or above the median may need a larger down payment or conventional financing.
The 2026 FHA loan limit in EAGLE County is $1,249,125. The Vail median home price is $1,855,000, 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 | $11,512 | $820 | $12,332 |
| Conventional 5% down | — | $1,027 | $12,456 |
Upfront MIP of $31,326 (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.
FAQs
Get pre-approved for an FHA loan in Vail
Low down payment, flexible credit requirements, and DPA stackable programs.