FHA Loans in Pagosa Springs — 3.5% Down for Archuleta County Home Buyers
3.5% down FHA financing for Pagosa Springs and Archuleta County buyers.
Pagosa Springs' median home prices in the $450,000–$650,000 range put many primary home purchases within reach of FHA financing — the FHA loan limit for Archuleta County is $806,500 in 2025, covering the vast majority of primary home transactions in the area. For first-time buyers, buyers with credit scores in the 580–680 range, and buyers who need to preserve cash after closing, FHA's 3.5% down requirement is meaningfully more accessible than conventional. Pagosa Springs has a strong vacation rental overlay — if you're buying primarily as a primary home but planning occasional rentals while you travel, FHA is the right structure. For pure investment properties, DSCR is the appropriate tool.
Well and septic properties in Archuleta County
Archuleta County has properties with private well and septic throughout the rural areas surrounding Pagosa Springs. FHA handles well and septic properties with appropriate inspections — we manage these requirements proactively so they don't delay closing.
Questions about FHA Loans in Pagosa Springs
What's the FHA loan limit for Archuleta County?
$832,750 for 2026. This covers the majority of primary home purchases in Pagosa Springs.
I want to buy near Wolf Creek and rent it as a ski cabin. Does FHA work?
FHA requires the property to be your primary residence. If you intend to live there as your primary home and rent it occasionally while traveling, that's generally acceptable. If you intend to use it primarily as a vacation rental, DSCR or conventional investment financing is the right structure.
Should I compare FHA to USDA for a rural Archuleta County property?
Yes — if the property address qualifies for USDA Rural Development, zero-down USDA often beats FHA's 3.5% down, especially for buyers who meet USDA income limits. We check USDA eligibility before recommending FHA.
Get your FHA pre-approval for Pagosa Springs
3.5% down. Flexible credit. Call or text TJ at 970-708-9624.