USDA VS FHA in Pagosa-Springs, Archuleta County, CO
In 2026, the USDA loan limit for Pagosa-Springs in the county of Archuleta, CO, is $285,000, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates. This tool helps determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the right program for your financial needs in Alabama.
2026 Loan Limits and Down Payment Requirements in Pagosa-Springs, Archuleta, CO
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Pagosa-Springs, CO
Lendersa® aims to obtain the best USDA or FHA loan for you rapidly and without hassles. Choose from three initial routes that match you with lenders and USDA programs.
A USDA home loan, supported by the U.S. Department of Agriculture, is known as a USDA rural development loan. It's available exclusively in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans need no down payment at all.
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.
RG BANK is a superior financial institution, member-owned, professionally managed, renowned for outstanding service delivered with integrity. RG BANK serves our customers and communities with commitment and pride helping to foster their achievements and success. RG BANK is a leader with the vision to welcome change and the insight to provide.
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,
As a Community Development Financial Institution, our mission at First Southwest Bank is to cultivate valuable relationships, invest in economic and social doers, and foster a well-lived rural Colorado culture. Serving the San Luis Valley and rural Colorado for more than 100 years, we offer personal and business banking at our six branches.
Alamosa National Bank was chartered on February 9 and opened for business on March 14. It was organized with $25, 000 capital, and cash on hand was $2, 000 with $1, 200 in currency and $800 in silver. The first day’s deposits totaled $14, 659.30. The Original Board of Directors were Chris Wallrich.
