Shared-appreciation loan
100+ Advantage Loan Program
New construction · Income limits · Single-family detached, townhome, warrantable condo, PUD, manufactured home (with land, on permanent foundation)
Down payment assistance · La Plata County
Buying a home in Durango, CO
9 Durango programs and 20 statewide.Durango has 9 programs of its own, and 20 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Durango’s own programs
Shared-appreciation loan
Affordability Program
New construction · Income limits · Single-family detached, townhome, warrantable condo, PUD, manufactured home with land
Shared-appreciation loan
AHIF Affordable Housing Investment Fund Program
New construction · Income limits · SFR, townhome, condo, PUD, manufactured w/ land
Deferred second loan
City of Durango Down Payment Assistance
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Shared-appreciation loan
Complete Community City of Durango Program
New construction · Income limits · SFR, townhome, condo, PUD within Durango city limits
Shared-appreciation loan
Fort Lewis College (FLC) Employee Mortgage Assistance Program
New construction · Income limits · SFR, townhome, condo, PUD, manufactured w/ land
Shared-appreciation loan
IMPACT Program
New construction · Income limits · SFR, townhome, condo, PUD, manufactured w/ land
Shared-appreciation loan
MIMAP Moderate Income Mortgage Assistance Program
New construction · Income limits · SFR, townhome, condo, PUD, manufactured w/ land
Shared-appreciation loan
Purgatory / DMR (Durango Mountain Resort) Employee Assistance Program
New construction · Income limits · SFR, townhome, condo, PUD, manufactured w/ land
The Durango marketThe Durango housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Durango
- 48% single-familysingle-family
- 11.4% townhousetownhouse
- 11.1% 2–4 units2–4 units
- 24.4% 5+ unitscondo & apartment buildings (5+ units)
- 5.1% mobile & othermobile home & other
Condos count. All 9 of Durango’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Durango’s homes were built
pre-19401970s2020+
42%
of Durango homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$114,700
County area median income, 4 people (HUD)HUD area median income, La Plata County, 4-person household (2026)
$78,602
Durango median household incomeMedian household income in Durango (Census, 2024)
32 of the 91 programs here set their income limit as a share of La Plata County’s area median income, adjusted for household size. See the published limits for La Plata County
Free help nearbyFree help near Durango
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
9 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 9 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Colorado and nationwide
82 statewide & federal programs20 statewide programs, plus federal options
Durango questions
Does Durango have its own down payment program?
Yes, 9: 100+ Advantage Loan Program, Affordability Program, AHIF Affordable Housing Investment Fund Program, City of Durango Down Payment Assistance, Complete Community City of Durango Program, Fort Lewis College (FLC) Employee Mortgage Assistance Program, IMPACT Program, MIMAP Moderate Income Mortgage Assistance Program and Purgatory / DMR (Durango Mountain Resort) Employee Assistance Program. Each is for homes inside Durango.
Can I use assistance on a condo in Durango?
All 9 of Durango’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in La Plata County?
Each program sets its own. 32 of the programs here set theirs as a share of HUD’s area median income for La Plata County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Durango?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Durango. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
81301 · 81302 · 81303
Nearby in La Plata
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.