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VA Loans in Pagosa Springs, Colorado 2026
Pagosa Springs has become one of southwest Colorado's most sought-after mountain towns, with prices that make zero-down financing more valuable than ever. Veterans with full VA entitlement can buy in Pagosa Springs with no down payment — even above the $541,287 FHA ceiling and the $832,750 conforming limit.
VA's Edge in Pagosa Springs
No loan limit for veterans with full entitlement. No monthly mortgage insurance — FHA MIP adds $250–$300/mo on a typical Pagosa purchase; VA adds zero ever. Competitive rates that consistently run 0.25%–0.5% below conventional.
VA Payment Example
Purchase $595,000 with zero down. Funding fee (first use, 2.15%) $12,793 financed. Total loan $607,793. Rate 6.75% (30-year VA). P&I ~$3,942/mo. Property tax ~$223/mo. Insurance ~$175/mo. Total PITI ~$4,340/mo (no PMI). Conventional 10% down on $595,000 requires $59,500 at closing plus ~$300/mo in PMI until 80% LTV.
Funding Fee
On $595,000 at 2.15% = $12,793. Veterans with 10%+ service-connected disability ratings pay no funding fee.
Property Requirements
Cabins and log homes generally fine. Well and septic allowed with passing inspection. No acreage limit. Condos must be VA-approved or obtain spot approval. STRs not eligible — VA is primary residence only.
Pagosa's Veteran Community
Archuleta County has a higher-than-average veteran population. The Farmington VA Medical Center and Durango's outpatient clinic both serve this area.
Southwest Colorado veterans deserve to use the benefit they earned. 970-708-9624 | tj@taytoncapitalllc.com.
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