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 .
Understand 2026 Loan Limits and Downpayment Requirements in Durango, County of 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 Pathways in Durango, CO
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.
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.
In June 1957, approval was given by appropriate governmental agencies for a national bank in Cortez, Colorado. The First National Bank was to be located on the corner of Main and Elm Streets, in the heart of Cortez. The stockholders of J.J. Harris Bank voted to consolidate with First National Bank, Cortez.
