In 2026, the USDA loan limit for Durango in La Plata county of CO is set at $494,500. Conversely, the FHA limit for a single-family home stands at $596,850.
The Lendersa® USDA loan calculator is a valuable tool to compare the best available USDA versus FHA rates today. Use this to determine what income, credit, reserves, and documentation you need to qualify. With our comprehensive mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $494,500 | 0% |
| FHA | $596,850 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is dedicated to providing you with the best USDA or FHA loan options quickly and effortlessly. Select one of three starting points to get connected with matching lenders and explore USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, and is only accessible in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans have no required down payment, enhancing accessibility for potential homeowners.
Enter your location to find out if it qualifies for USDA rural housing loan?
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