2026 Loan Limits in Durango, La Plata County
The 2026 conforming loan limit in La Plata County is $832,750 — Colorado's standard baseline — which covers the majority of Durango purchases. La Plata County's FHA limit is $747,500, or $206,213 above Colorado's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Colorado markets. DSCR investors targeting Durango short-term rentals should confirm permit availability before closing — the city regulates STR licensing, and rental income projections depend on an active, transferable permit.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in La Plata County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Durango's 2026 FHA ceiling: $747,500.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Durango for regulated short-term rentals and long-term rentals.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
La Plata County elevated FHA; Fort Lewis College; Purgatory condotel nearby; STR regulated.