FHA VS Conventional loan programs in 2025 for Durango, La Plata County, Colorado

In the year 2025, the limit for a Conventional loan in the county of La Plata, located in Durango, CO is set at $726,200. Meanwhile, the FHA limit for a one-family home is $596,850.

Utilize the Lendersa® Conventional loan calculator to evaluate current options among Conventional, FHA, and USDA loans. It assists in identifying the necessary income, credit, reserve, and document requirements for eligibility. Our sophisticated mortgage calculator enables the side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, facilitating the choice of the most suitable program in CO for your financial needs.

Compare loan offers from 100 different lenders

Loan limits and down payment requirements for 2025 in Durango, La Plata county, CO

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $494,500 0%
FHA $596,850 3.5%

These comparisons apply to zip codes: 81301, 81303

Exploring Conventional and FHA loan options in Durango, CO

Lendersa® strives to secure the best Conventional, USDA, or FHA loan with ease and speed for you. Choose from three starting points that lead to matching lenders and loan programs tailored for your needs.

Results of USDA loan requests and matches from Lendersa


  • USA Financial Group, Inc
  • 18725 E. Gale Ave, Suite 227, City Of Industry, CA, 91748
  • "At USA Financial Group, Inc We can help you find the perfect mortgage. Buying a home is one of the biggest purchases most of us make. House hunting can be exciting and disappointing at the same time. Some people find the perfect home in three days, for others, it can take months. We've seen it all. And we understand how you feel.
  • Destiny Six Financial
  • 6904 Federal Boulevard, Lemon Grove, CA, 91945
  • Destiny Six Financial, a family owned and operated, real estate and mortgage company. We have been serving southern California for over 20+ years. At Destiny Six Financial, we strive to treat every client with the respect and personal service that you deserve. We understand the big commitment you are making in buying or selling a home
  • Main Street Mortgage Services
  • 15825 Main Street, 1st Floor, La Puente, CA, 91744
  • MAIN STREET MORTGAGE SERVICES, Inc. is a full service mortgage brokerage with only one priority – to provide the absolute best customer service to our clients while educating them on today’s mortgage process. We offer individualized mortgage solutions for the borrower's unique needs.
  • Thelen Mortgage
  • 11 West Main St, Suite 220, Belgrade, MT, 59714
  • Since 2001 we have established great relationships with many reputable Wholesale Lenders. This allows us the ability find you the best loan product and rate available in the market. It is important for us to understand more about your specific needs to ensure you receive the best possible service and accurate rate quote.
  • American Online Mortgage
  • 555 Corporate Dr, Suite 215, Ladera Ranch, CA, 92694
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Ladera Lending, Inc.
  • 555 Corporate Dr, Suite 215, Ladera Ranch, CA, 92694
  • At Ladera Lending, Inc., we open doors to a wealth of personalized services to all varieties of clientele. From real estate professionals, to builders to individual home buyers, we will tailor a program for your needs. Our knowledgeable team works to provide you with financial loan options that fit your lifestyle
  • Truss Financial Group
  • 999 Corporate Dr, Suite 180, Ladera Ranch, CA, 92694
  • Truss Financial Group has persevered through one of the most detrimental market collapses ever and we've done so by forming Strategic Referral Partnerships with Realtors, CPAs, and Financial Planners. Their clients become our clients and in every instance we do our absolute best to earn their trust.
  • Loangevity Mortgage
  • 999 Corporate Drive, Suite 100, Ladera Ranch, CA, 92694
  • Loangevity Mortgage is here for the long run all types of loans, for all people, for all situations. We are your lender for life. Life is about longevity. Loans are about Loangevity. Our mission is to help you with your first loan, your last loan, and all loans in between we offer Conventional, Jumbo, FHA, VA, and Foreign National Loans and more.