Explore the differences! FHA VS Conventional loan programs in Golden, Jefferson County, Colorado

In the year 2026, the maximum amount for a Conventional loan in Golden, in the county of Jefferson, CO, is set at $787,750. This contrasts with the FHA limit, which stands at $787,750 for a home that accommodates one family.

Utilize the Lendersa® Conventional loan calculator to contrast today's top rates for Conventional, FHA, and USDA loans. Discover the requirements for income, credit, reserves, and documentation needed to qualify. Our sophisticated mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA, enabling you to determine the most favorable program for your financial scenario in CO.

Evaluate loan offers from a network of 100 lenders

2026 Loan Limits and Downpayment Details in Golden, County of Jefferson, CO

Type of Loan Loan Limit Required Downpayment
Conventional Conforming $787,750 3%
USDA $684,200 0%
FHA $787,750 3.5%

This comparison table is applicable to the following zip codes: 80401

Options for Conventional and FHA Loans in Golden, CO

The mission of Lendersa® is to facilitate a hassle-free process in securing the best possible Conventional, USDA, or FHA loan. Select from three initial paths that lead to matched lenders and tailored loan programs.

USDA loan request and match outcomes with Lendersa


  • Independent Home Loans, LLC
  • 9557 S. 700 E, Suite 200, Sandy, UT, 84070
  • We understand that buying or selling a home is one of the biggest decisions an individual or family can make. For that reason alone, we take this as seriously as you do, and will always put your priorities and needs before all else. Buying a home is about YOU, not us. Let us show you why our team is the dependable choice for your mortgage needs.

  • Laser Lending
  • 8899 S 700 E, Suite 12511075 S. State Street, Building 3, Sandy, UT, 84070
  • Laser Lending is part of the parent company Larson Real Estate Services He started his career selling new home construction in 1993. Later, he started Larson & Company Real Estate which continues to thrive today. With a desire to offer his clientele a solid mortgage option, he created Laser Lending in 2009. To round out his real estate offerings.

  • American Loans
  • 8800 S Harrison St., Sandy, UT, 84070
  • American Loans and Mortgage, we are all about creating and finding solutions for anyone and everyone who needs a loan to reach their goals. and also the best rates and programs, and get you the best loan for your particular situation. We promise to provide you with the most comprehensive communication and the lowest mortgage rates.

  • Atlas Mortgage Solutions
  • 8899 S 700 E, Suite 125, Sandy, UT, 84070
  • Atlas Mortgage Solution offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers. We are constantly striving to keep our process streamlined and user friendly. We want all borrowers involved to feel informed and cared about every step of the way.

  • South Towne Mortgage
  • 11075 S State Street, Bldg 2, Sandy, UT, 84070
  • South Towne 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 and your family.

  • ALLIANCE LENDING SERVICES
  • 9730 S. 700 E, Suite 101, Sandy, UT, 84070
  • Alliance Lending Services (ALS) was founded on the belief that strategic planning and market knowledge are the foundation of the mortgage process. This belief has inspired a passion for delivering superior services that foster effective mortgage solutions. With over 20+ years of experience and knowledge in the mortgage industry.

  • Momentum Loans
  • 9490 S 300 W, Suite 100, Sandy, UT, 84070
  • Today’s hyper-competitive market requires companies to be nimble, innovative, and flexible. Our experienced leadership allows us to make decisions quickly and build a culture around these key principals: operational excellence drives value, and technology drives opportunity.We are a mortgage company that does things a little bit differently.

  • RANLife
  • 9272 South 700 East, Sandy, UT, 84070
  • RANLife is a leader in residential lending.With our in-house staff and direct lender relationships with Fannie Mae, Freddie Mac, and Ginnie Mae, we've eliminated the middleman.RANLife runs all of our operations from Sandy, Utah greater Salt Lake City metropolitan.We have in-house processors, underwriters, funders, and closers available at all times

  • Liberty Bank, Inc.
  • 326 South 500 East, Salt Lake City, UT, 84102
  • Since 1956, Liberty Bank has been supporting small businesses and homeowners in the Salt Lake City area. We believe in offering excellent customer service, home loans, and competitive CD rates and Our bank also supports the local community by working with several local groups, such as the Salt Lake Rotary Club.

  • Ridgeline Federal Credit Union
  • 564 East 300 South, Salt Lake City, UT, 84102
  • Ridgeline Federal Credit Union (formerly known as Utah Federal Credit Union) has been open since 1951. The credit union has assets totaling $27.49 Million and provides banking services to more than 2, 000 members as of March 2022.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans

  • Mortgage America, LC
  • 699 E. South Temple, Suite 140, Salt Lake City, UT, 84102
  • Mortgage America, LC offer a wide array of conventional mortgage loan products. Jennifer Berard has functioned as the Owner Lending Manager since our inception. Our committment is to exceptional customer service with 20+ years combined experience in the mortgage industry while providing the lowest interest rates available at reasonable costs.