Mortgage Loans in Phillips County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Phillips County.
About Phillips County
Phillips County is a agricultural and rural market in Colorado, covering Holyoke and Haxtun. Tayton Capital is a licensed independent mortgage broker serving every community in Phillips County — we shop your file across dozens of wholesale lenders instead of quoting one bank's rate sheet. Median home prices across the county run from $175,000 to $215,000. The 2026 conforming loan limit here is $832,750 and the FHA limit is $541,287.
2026 Loan Limits — Phillips County, CO
Phillips County uses the 2026 national baseline conforming limit of $832,750 and the FHA floor of $541,287. Purchases financed above $832,750 move into jumbo or non-agency territory, where we place loans with portfolio and non-QM investors. With county median prices from $175,000 to $215,000, the overwhelming majority of Phillips County buyers finance well inside agency limits. HUD sets the CY2026 FHA limit for HUD's non-metro Colorado area at $541,287, off a HUD-published area median sale price of $210,000. Buying a 2-4 unit in Phillips County? Conforming limits step up to $1,066,250 on a duplex, $1,288,800 on a triplex and $1,601,750 on a fourplex, while FHA allows $693,050, $837,700 and $1,041,125 respectively — and FHA still only needs 3.5% down when you occupy one unit, which is the cheapest way into small multifamily in this county.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $832,750 |
| FHA | $541,287 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Mortgage Programs in Phillips County
Conventional up to $832,750 — as little as 3% down for first-time buyers, PMI drops at 20% equity
FHA up to $541,287 — 3.5% down, credit accepted from 580 FICO, no income cap
VA — 0% down, no monthly mortgage insurance, and no county limit with full entitlement
USDA — 0% down in eligible Phillips County rural areas, with income limits by household size
DSCR Investor — qualify on the property's rent instead of your tax returns, and close in an LLC
CHFA — Colorado down payment assistance and reduced-PMI options for income-qualified Phillips County buyers
Cities We Serve in Phillips County, CO
Select addresses in Phillips County qualify for USDA Rural Development financing with no down payment. Property eligibility must be confirmed.
Phillips County Mortgage FAQ
What are the 2026 loan limits in Phillips County, CO?＋
The 2026 conforming loan limit in Phillips County is $832,750 and the FHA limit is $541,287. VA loans have no county cap for veterans with full entitlement. Financing above $832,750 requires a jumbo or non-agency loan. FHFA sets the conforming limit and HUD sets the FHA limit; both apply countywide, including Holyoke and Haxtun.
How much do homes cost in Phillips County?＋
Median home prices in Phillips County run from $175,000 to $215,000, depending on which community you're buying in. Holyoke and Haxtun price differently even within the same county, so a payment estimate built on a county-wide median is rarely accurate for your specific search. We'll run a real payment on the exact price point and program you're considering.
Which mortgage programs work best in Phillips County?＋
Much of Phillips County qualifies for USDA financing at 0% down, which is often the single best option for buyers who meet the income limits. Conventional and FHA cover most purchases here. Because we're a broker rather than a bank, we compare all of them side by side before you commit.
Does Tayton Capital lend in Phillips County?＋
Yes. Tayton Capital, LLC (NMLS #2106875) is licensed in Colorado and closes loans throughout Phillips County, including Holyoke and Haxtun and the surrounding unincorporated areas. TJ Tassone handles Phillips County files directly — call or text (970) 708-9624.
Ready to Buy or Refi in Phillips County?
Tayton Capital is licensed in Colorado and serves every city in Phillips County. Get pre-approved today — same-day response.
More Colorado Counties
- San Miguel County · Conforming $994,750
- Grand County · Conforming $883,200
- Boulder County · Conforming $879,750
- Broomfield County · Conforming $862,500
- Arapahoe County · Conforming $862,500