ECLF Down Payment Assistance Program (Amortized Loan)
Assistance grant · New construction · Income limits
Single-family detached, Townhome, Condominium
See details Jun 2026
Down payment assistance · Colorado
Buying a home in Eagle County, CO
3 county-wide programs, 1 city with their own, plus 20 statewide and 62 nationwide.Eagle has 3 programs that cover the whole county and 1 city with a program of their own. On top of those, 20 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in EagleAnywhere in Eagle County
3 programs for every Eagle address3 programs that cover every Eagle address
All 3 ask for a homebuyer class.These are run for the whole county, so a home in Eagle, Edwards or Gypsum can use them. All 3 ask for a homebuyer class.
Eagle County Division of Housing Down Payment Assistance Program
Deferred second loan · New construction · Income limit 80% of AMI
Single-family detached, Townhome, Condominium
See details Jul 2026
ECLF Equity Share Down Payment Assistance Program
Shared-appreciation loan · New construction · Income limits
Single-family detached, Townhome, Condominium
See details Jul 2026
AMI is HUD’s area median income for Eagle, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Eagle city with their own program
For a home inside that city, on top of the county-wide 3.A city program is for a home inside that city. Buying there? It sits on top of the 3 county-wide programs above.
The Eagle marketThe Eagle housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Eagle
- 36% single-familysingle-family
- 16.1% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 36% 5+ unitscondo & apartment buildings (5+ units)
- 5.3% mobile & othermobile home & other
Condos count. All 3 county-wide programs and the one city program list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Eagle’s homes were built
pre-19401970s2020+
20.9%
of Eagle homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$125,600
HUD area median income, 4 people (FY2026)HUD area median income, Eagle County, 4-person household (FY2026)
$104,096
Median household income (ACS 2024 5-year)Median household income in Eagle (Census ACS 2024 5-year)
65.9%
of occupied homes are owner-occupied (Colorado: 66.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 24 of the 86 programs here set their income limit as a share of Eagle County’s area median income, adjusted for household size. See the published limits for Eagle County
Free help in EagleFree help in Eagle
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Eagle questions
Can I use a county program anywhere in Eagle?
The 3 county-wide programs cover homes anywhere in the county. City programs, like Eagle’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Eagle County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Eagle programs accept condos?
All 3 county-wide programs and the one city program list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Eagle?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.