USDA financing is available for eligible properties in Pagosa Springs, offering 100% financing with no down payment — saving $20,100 versus FHA's 3.5% minimum at the local median price of $575,000. The 2026 USDA household income cap is $118,000 for 1–4 persons and approximately $156,000 for 5–8 persons. USDA eligibility is property-specific — not every address in Pagosa Springs qualifies.
Archuleta County has strong USDA coverage. Most rural and semi-rural addresses outside dense town centers qualify. USDA requires the property to be in a designated rural area, be a primary residence, and meet USDA property condition standards. We verify address eligibility at no charge before you write an offer.
USDA requires the home to be a primary residence and meet minimum property standards. Investment properties, vacation homes, and income-producing farms do not qualify.
Send us the property address and we'll confirm USDA eligibility and run your income qualification in the same call. No cost, no obligation.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624