What is the minimum loan amount for a crypto mortgage?

The minimum loan amount depends on how you use your crypto to qualify:

  • Pledged collateral: The minimum loan amount is $275,000. You’ll need to pledge at most that amount in BTC or ETH to qualify, though you can choose to bring in fiat toward a down payment to reduce the amount of crypto pledged.

  • Reserves: The minimum loan amount is $200,000 when your crypto is used as reserves alongside a fiat down payment. In this structure, your crypto remains in self-custody and is used as a qualifying asset to strengthen your application. This option is often chosen by borrowers whose crypto holdings allow them to qualify for more purchasing power than fiat alone would support.

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