Eagle County at a glance
Teachers, bus drivers and support staff in Vail, Avon, Edwards, Eagle and Gypsum all work for Eagle County School District, and full-time employees qualify for Schools To Home. Because the second is up to 25% of the first mortgage, it scales with the loan rather than stopping at a fixed amount. Shared appreciation scales the same way.
The Eagle County Sheriff's Office, Vail Police Department, Vail Fire and Emergency Services and Eagle River Fire Protection District are the main Colorado Champions agencies.
All CHFA loans here are capped at the lower of $832,750 or the loan type's limit, which is the main ceiling for buyers in Eagle County.
Caps for Eagle County
| Income, 1–2 | Income, 3+ | Price cap |
|---|---|---|
| $127,800 | $146,970 | $832,750 |
Eagle has lower-tier FirstStep income limits but the top price limit; Schools To Home and Champions go by statewide caps. Statewide table · Budget estimate
Local programs in Eagle County
Programs run by cities, the county, employers or nonprofits here. Some layer on top of the state option and some replace it; the lender sorts out which combinations are allowed.
Eagle County Loan Fund (ECLF) and Eagle Ranch Housing Corp DPA
OpenEagle County
- Buyers
- Residents who live and work in Eagle County
- Amount
- ECLF shared-equity: up to 5% of price (conventional/RD/VA); ECLF FHA: up to 5%, max $42,500; ERHC (Eagle Ranch only): up to $10,000
- Form
- deferred (shared equity) or amortizing
- Price cap
- $850,000 for ECLF shared-equity loan
- Conditions
- Borrower contributes at least 1% (shared-equity) or 50% of loan amount/min $3,000 (FHA); counseling with The Valley Home Store before applying
ECLF FHA loan: 15 years at 2.5% with monthly payments. ERHC: 15-year 2.5% deferred balloon. Shared-equity loan interest-free if repaid within 24 months.
Checked November 2026 · method
Program details →Check my eligibility →Eagle County Division of Housing DPA
OpenEagle County
- Buyers
- Households at or below 80% AMI
- Amount
- Up to 4.5% of purchase price, max $40,000
- Form
- Loan with monthly payments
- Income cap
- 80% AMI
- Conditions
- Min contribution greater of 1% or $1,000; meet with Eagle County Housing staff first
30-year 2.5% simple interest; payments can be deferred for the first 60 months on approval.
Checked November 2026 · method
Program details →Check my eligibility →Garfield County Housing Authority DPA
OpenGarfield County, plus El Jebel area of unincorporated Eagle County and the Town of Basalt
- Buyers
- Employed buyers working 30+ hrs/week who own no other real estate
- Amount
- 3% of purchase price up to $15,000
- Income cap
- 150% AMI (conventional, RD, VA) or 115% AMI (FHA), by household size
- Price cap
- None
- First-time only
- No
- Conditions
- Min investment greater of 1% or $2,000; max DTI 45%; can be combined with other DPA
Guidelines revised 11/2024; repayment terms not captured.
Checked November 2026 · method
Program details →Check my eligibility →Homebuyer courses near Eagle County
HUD lists no approved counseling agency within 50 miles of Eagle County. An online HUD-approved course usually satisfies the education rule; the lender names the ones that count.
Qualifying employers in Eagle County
Local school systems and public safety agencies:
- Eagle County School District
- Eagle County Sheriff's Office
- Vail Police Department
- Vail Fire and Emergency Services
- Eagle River Fire Protection District
Eagle County School District staff and the sheriff, Vail police and fire, and Eagle River fire employees are the usual qualifiers. Full list of eligible jobs.
Eagle County questions
Is there a maximum loan size in Eagle County?
Yes. CHFA loans are capped at the lower of $832,750 or the loan type's limit, even though Schools To Home has no price limit.
Do Vail Fire and Emergency Services firefighters qualify?
Yes. Colorado Champions covers firefighters with a Colorado fire department or firefighting agency.
Can I own another home and still use Schools To Home?
Each borrower may own an interest in one other home at closing, with Fannie Mae limits, and only one CHFA-financed property at a time.
Nearby county guides: El Paso · City and of Denver · Arapahoe · Jefferson · Adams · Douglas · Weld · Larimer · Boulder · Pueblo · all counties
Run the check for Eagle County
Six questions, no credit check. A lender who offers the program follows up, or call (800) 555-0100.
Start the eligibility check