FHA Loan Limits in La Plata County, Colorado (2026)
From La Plata County, FHA buyers in La Plata County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Mountain West.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in La Plata County — La Plata County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Denver and Arapahoe Counties.
What can you buy with FHA in La Plata County?
With La Plata County's median sale price estimated near $606,000 (think La Plata County), the FHA down payment is roughly $18,945. Factoring Colorado property taxes near 0.51%, expect about $3,859 monthly, pointing to income near $149,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in La Plata County
FHA payments across La Plata County price points — from entry homes near La Plata County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $436,000 | $15,260 | $3,131 |
| Local median — $541,287 | $18,945 | $3,859 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near La Plata County too — get notified.
Buyers across La Plata County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near La Plata County into little out of pocket.
Multi-unit FHA limits in La Plata County
La Plata County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in La Plata County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in La Plata County for 2026?
- In La Plata County (La Plata County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in La Plata County with FHA?
- For a median-priced ($541,287) La Plata County home, plan on income around $149,000 at a 31% housing ratio — about $3,859/month including taxes, insurance, and MIP.
- How much is the FHA down payment in La Plata County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 La Plata County-area home. Gift funds are allowed.
- Is La Plata County a high-cost FHA area?
- No — La Plata County uses the $541,287 national floor for one unit.