Mortgage Loans in Chaffee County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Chaffee County.
About Chaffee County
Chaffee County is a outdoor recreation county anchored by Salida's arts scene and Buena Vista's whitewater access, attracting remote workers and retirees priced out of resort markets. Tayton Capital serves buyers throughout Chaffee County, including Salida, Buena Vista, and Poncha Springs. Median home prices across the county range from $445,000 to $595,000, with FHA limits above the state floor at $713,000, giving first-time buyers meaningful additional purchasing power.
2026 Loan Limits — Chaffee County, CO
Chaffee County uses the standard Colorado conforming baseline of $832,750, covering the vast majority of purchase transactions. FHA buyers benefit from an elevated county limit of $713,000, which is $171,713 above the Colorado floor of $541,287. This provides meaningfully more purchasing power than buyers in floor-limit counties, particularly for 3.5% down FHA borrowers. VA loans carry no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo or non-QM financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $832,750 |
| FHA | $713,000 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Chaffee County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in Chaffee County
Conventional up to $832,750 — standard pricing, 3–5% down for qualifying buyers
FHA up to $713,000 — 3.5% down, flexible credit starting at 580 FICO, no income limit
VA — 0% down, no PMI, no county limit for full-entitlement veterans
USDA — 0% down on eligible rural addresses (property-specific; confirm before offer)
Jumbo — available above $832,750 for purchases exceeding the conforming limit
DSCR Investor — qualify on rental income, close in LLC, no W-2 or tax returns required
CHFA (Colorado) — down payment assistance, reduced PMI, income-limit programs for qualified buyers
Cities We Serve in Chaffee County, CO
Select addresses in Chaffee County qualify for USDA Rural Development financing with no down payment. Property eligibility must be confirmed.
Short-term rental activity exists in Chaffee County. DSCR investor financing is available; confirm STR permits for specific addresses.
Chaffee County Mortgage FAQ
What are the 2026 loan limits in Chaffee County, CO?＋
The 2026 conforming loan limit in Chaffee County is $832,750. The FHA limit is $713,000. VA loans have no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of Chaffee County.
Does Tayton Capital serve all cities in Chaffee County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire Chaffee County area. This includes Salida, Buena Vista, Poncha Springs. We close loans for buyers in every city and unincorporated community throughout Chaffee County.
Is USDA financing available in Chaffee County?＋
Yes — select addresses in Chaffee County qualify for USDA Rural Development financing, which offers 0% down payment with a 1.0% upfront guarantee fee and 0.35% annual fee. Eligibility is property-specific and tied to USDA's rural designation maps. Contact us to check whether a specific address qualifies.
Are there down payment assistance programs in Chaffee County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for Chaffee County buyers. CHFA programs include the CHFA Advantage (conventional, no PMI with qualified buyers), CHFA FHA, and down payment assistance grants or second mortgages. Income and purchase price limits apply and change annually — visit chfainfo.com or contact us for Chaffee County's current limits.
Ready to Buy or Refi in Chaffee County?
Tayton Capital is licensed in Colorado and serves every city in Chaffee County. Get pre-approved today — same-day response.
More Colorado Counties
- San Miguel County · Conforming $994,750
- Grand County · Conforming $883,200
- Boulder County · Conforming $879,750
- Arapahoe County · Conforming $862,500
- Adams County · Conforming $862,500