Explore the differences! FHA VS Conventional loan programs in Fountain, El Paso County, Colorado

For the year 2026, the Conventional loan limit in Fountain, within El Paso county, CO, reaches $726,200, while the FHA limit, applicable for a single-family residence, is $517,500.

Use the Lendersa® Conventional loan calculator to compare the top current rates for Conventional, FHA, and USDA programs. Determine the required income, credit status, reserves, and documents needed to qualify. The advanced mortgage calculator permits side-by-side viewing of Conforming Conventional, USDA, FHA, and VA loans, aiding in choosing the most suitable program within CO for your unique financial context.

Examine loan offers from 100 different lenders

2026 Loan Limits and Down Payment Requirements in Fountain, El Paso, CO

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $368,000 0%
FHA $517,500 3.5%

This table applies to the following zip codes: 80817

Options for Conventional and FHA Loans in Fountain, CO

The mission of Lendersa® is to promptly offer the best possible Conventional, USDA, or FHA loan options without complications. Select one of three starting pathways to connect with matching lenders and loan services.

Lendersa results for USDA loan requests and matches


  • Med 5 Federal Credit Union
  • 4956 5th Street, Rapid City, SD, 57701
  • We strive to create a high-performance credit union committed to offering our members a competitive advantage on products and service compared to traditional lenders and big banks. Through our commitment to become our members’ primary financial institution, we shall consistently and constantly strive to assist members to attain their personal

  • Highmark Federal Credit Union
  • 725 5th St, Rapid City, SD, 57701
  • Highmark Federal Credit Union is Rapid City’s first credit union. Originally chartered as Rapid City Teacher’s Federal Credit Union in 1940, we are a member-owned, not-for- profit financial cooperative with six locations serving anyone located across 11 counties in Western South Dakota and Eastern Wyoming.

  • Black Hills Federal Credit Union
  • 200 Main Street, Rapid City, SD, 57701
  • BHFCU has been a part of buying thousands of first cars and starter homes. We've helped hundreds go to school or back to school. Our credit cards and debit cards have bought a lot of birthday presents and groceries. We've believed in small businesses when they were little more than an idea.

  • Unify Home Lending
  • 2101 Mt. Rushmore Rd, Suite 300, Rapid City, SD, 57701
  • We are the Midwest's newest Mortgage Lender! Backed by tremendously experienced, ethical, and hardworking individuals; we have over 100 years combined experience and knowledge in the mortgage industry. In a day where it seems everyone is franchising or net branching, we are breaking out of the mold to provide better service.

  • OMNI HOME FINANCING LLC
  • 1508 Mt Rushmore Road, Rapid City, SD, 57701
  • Omni Home Financing in 2003, and is a leader in the Black Hills mortgage marketplace. A locally owned, boutique mortgage broker serving over 3,000 clients and over $493,000,000 funded, Omni has a great reputation for smooth, on-time, no surprises closings with the best terms, and also Black Hills marketplace in wholesale mortgage lending.

  • HERITAGE HOME LENDING
  • 2209 Mount Rushmore Rd, Suite 1, Rapid City, SD, 57701
  • Heritage Home Lending is a Mortgage Brokerage founded in Rapid City, SD. The goal is your peace of mind. The goal is to earn your trust and exceed your expectations. Jesse Herrington and Brady MacIver are two very experienced loan officers that will be working diligently on your behalf.

  • Garden Plain State Bank
  • 525 North Main Street, Garden Plain, KS, 67050
  • Garden Plain State Bank was granted a charter by the Kansas Banking Commission in December of 1966. The bank opened in Garden Plain Kansas on December 21, 1966. The bank enjoyed a steady growth since its inception and then made a decision to expand into the Wichita Kansas market.

  • Lubbock National Bank
  • 4811 50th Street, Lubbock, TX, 79413
  • Lubbock National Bank is part of a local, family-owned banking legacy that has been serving the people of this area since 1892, when the first settlers began arriving in the South Plains and Texas Panhandle. We introduced ourselves to Lubbock just a few years after the city was incorporated.

  • Pixel Mortgage
  • 3309 67th St, Suite 14, Lubbock, TX, 79413
  • We offer mortgages for new home purchases at competitive rates. Whether you need cash out or just want a better rate and term, Pixel is here to help with your refinance. Pixel Mortgage works great with real estate agents. Fast pre-qualification, great rates, helpful processing, and great communication are Pixel qualities.

  • Capital Mortgage Services Of Texas
  • 4212 50th St, Lubbock, TX, 79413
  • Capital Mortgage Services A full service mortgage bank of Texas controls all elements of your mortgage transactionof Texas provides a mortgage company with over 30 years of experience in helping our customers. We understand that this isn’t just a loan to you, it’s your home. We take that responsibility very seriously

  • First National Mortgage
  • 397 North Main Street, Spanish Fork, UT, 84660
  • First National Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.

  • Remarkable Home Loans
  • 62 E 800 N, Suite 202, Spanish Fork, UT, 84660
  • Remarkable Home Loans team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.