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.