2026 Loan Limits in Bayfield, La Plata County
The 2026 conforming loan limit in La Plata County is $832,750 — Colorado's standard baseline — which covers the majority of Bayfield 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. USDA 0% down financing is available on eligible Bayfield properties, with a 2026 household income cap of $122,000 (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 La Plata County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Bayfield's 2026 FHA ceiling: $747,500.
USDA
0% down rural development financing on eligible Bayfield addresses, with a 2026 household income cap of $122,000 (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 Bayfield 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
La Plata County; USDA-eligible; more affordable than Durango; growing community.