Mortgage Loans in La Plata County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in La Plata County.
About La Plata County
La Plata County is a outdoor recreation anchor county centered on Durango, serving as the commercial hub for the Four Corners region with strong tourism, college, and second-home demand. Tayton Capital serves buyers throughout La Plata County, including Durango, Bayfield, and Ignacio. Median home prices across the county range from $325,000 to $725,000, with FHA limits above the state floor at $747,500, giving first-time buyers meaningful additional purchasing power.
2026 Loan Limits — La Plata County, CO
La Plata 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 $747,500, which is $206,213 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 | $747,500 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
La Plata County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in La Plata County
Conventional up to $832,750 — standard pricing, 3–5% down for qualifying buyers
FHA up to $747,500 — 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 La Plata County, CO
Select addresses in La Plata County qualify for USDA Rural Development financing with no down payment. Property eligibility must be confirmed.
Short-term rental activity exists in La Plata County. DSCR investor financing is available; confirm STR permits for specific addresses.
La Plata County Mortgage FAQ
What are the 2026 loan limits in La Plata County, CO?＋
The 2026 conforming loan limit in La Plata County is $832,750. The FHA limit is $747,500. 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 La Plata County.
Does Tayton Capital serve all cities in La Plata County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire La Plata County area. This includes Durango, Bayfield, Ignacio. We close loans for buyers in every city and unincorporated community throughout La Plata County.
Is USDA financing available in La Plata County?＋
Yes — select addresses in La Plata 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 La Plata County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for La Plata 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 La Plata County's current limits.
Ready to Buy or Refi in La Plata County?
Tayton Capital is licensed in Colorado and serves every city in La Plata 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