2026 Loan Limits in Towaoc, Montezuma County
The 2026 conforming loan limit in Montezuma County is $832,750, covering most Towaoc home purchases. FHA buyers work within Colorado's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying. USDA 0% down financing is available on eligible Towaoc properties, with a 2026 household income cap of $112,450 (1–4 persons). Eligible addresses must be confirmed — use the USDA eligibility map or ask us to check a specific property.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Montezuma County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Towaoc's 2026 FHA ceiling: $541,287.
USDA
0% down rural development financing on eligible Towaoc addresses, with a 2026 household income cap of $112,450 (1–4 persons). Address must be verified on the USDA eligibility map.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Towaoc for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Montezuma County; Ute Mountain Ute Tribe; USDA-eligible.