USDA Vs. FHA your options comparison in Bayfield, La Plata County, CO
In 2026, the USDA loan limit for Bayfield, located in La Plata county, CO, is $494,500. Meanwhile, the FHA limit for a single-family home is $596,850.
Use the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, determining the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you'll be able to examine USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .
Understanding 2026 Loan Limits and Downpayment Requirements in Bayfield, La Plata, CO
Loan Type
Loan Limit
Down Payment
USDA
$494,500
0%
FHA
$596,850
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Bayfield, CO
The aim of Lendersa® is to efficiently find you the most suitable USDA or FHA loan without delay. Begin with any of the three starting points that lead to matching lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the government Department of Agriculture. It is exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment.
Bank of the San Juans began in 1998 as a start-up with Durango community investors. Over the ensuing two decades, the bank has grown into a robust organization across Colorado, with 20 locations in 14 communities and 200+ employees. In 2008, the bank joined the Glacier family of banks and operates.
At Sinberg Capital Lending we understand the needs and goals of each of our clients. We work directly with clients and real estate professionals to provide comprehensive mortgage solutions for today’s real estate markets. Established in 2007, Sinberg Capital Lending offers a complete portfolio of loan products at highly competitive rates.
Animas Mountain Mortgage is a trusted local mortgage company. For 20+ years, the founder Peter Pritchard has been bringing people’s dream of homeownership to life while providing local, in-house processing and underwriting on every individual loan. Peter has closed thousands of loans throughout his career,
The Dolores State Bank is proud to be the largest independent bank in Montezuma County, Colorado. All decisions are made locally by people who look beyond the numbers to best serve the community. Our officers and employees realize you, our customers, are ultimately responsible for the growth and success of the bank.
Del Norte Bank was chartered as Del Norte Building and Loan Association on May 9th, 1921 by Charles W. Donnen, William Johnson, Louie Eickenrodt, J.H. Weiss, and J.P. Russell. The purpose of the building and loan was to provide a safe place to save money and to offer financing for families to build homes.
