FHA VS Conventional loan programs in Highlands-Ranch, Douglas County, Colorado

For 2026, the loan limit for Conventional loans in Highlands-Ranch, Douglas county, CO is $684,250, while the FHA limit for a single-family home is $684,250.

Utilize the Lendersa® Conventional loan calculator to contrast today's best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation necessary to qualify. Our sophisticated mortgage tool lets you compare Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in choosing the right financial solution in CO.

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2026 Loan Limits and Downpayment Requirements in Highlands-Ranch, Douglas, CO

Loan Type Loan Limit Down Payment
Conventional Conforming $684,250 3%
USDA $477,400 0%
FHA $684,250 3.5%

This table pertains to ZIP codes: 80129

Explore Conventional and FHA Loan Options in Highlands-Ranch, CO

The mission of Lendersa® is to provide you with the best Conventional, USDA, or FHA loan quickly and efficiently. Choose one of three pathways that result in finding matching lenders and loan programs tailored to your needs.

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  • Golden Lenders
  • 18950 W 54th, Golden, CO, 80403
  • We have more than 25 years of experience in the mortgage industry – just the expertise you need for a successful outcome. Our team of mortgage consultants work to simplify the process for you, while educating you on this complex process. Whether its your first home, or you’re an experienced home buyer

  • Premier Members Credit Union
  • 5505 Arapahoe Avenue, Boulder, CO, 80303
  • Premier Members Credit Union (PMCU) is a not-for-profit, eco-conscious financial institution dedicated to providing financial solutions to individuals and businesses in Boulder, Co. and the Denver Metro area, all the way down to Pueblo. With more than 70, 000 members, $1 billion in assets, 14 full-service retail branch locations

  • Brenckman Funding LLC
  • 4450 Arapahoe Avenue, Suite 100, Boulder, CO, 80303
  • Brenckman Funding committed to take the mystery out of the loan mortgage and refinancing process. Most competitive mortgage rates available we fully understand your mortgage needs. Allow us to custom tailor a mortgage loan package that makes sense to you, we pride ourselves on great mortgage interest rates.

  • 1st Nations Mortgage
  • 281 Ponderosa Drive, Boulder, CO, 80303
  • We are a full service mortgage company with many Licensed Mortgage Professionals operating in Virginia and Colorado. We are known for our low rates and our easy loan process. Let our experts take you on an easy journey through the process. 1st Nations specializes in easy and simple. We find the best lender offering the lowest rate

  • Aloha Capital
  • 3601 Arapahoe Ave Building D, Unit 178A, Boulder, CO, 80303
  • Aloha Capital offers fast, flexible and reliable financing at competitive rates to help you leverage your experience and take advantage of real estate investment opportunities. No matter if you are focused on Fix & Flips, Buy & Holds (BRRRR strategy), or Turnkey Investments, we understand your business and are here to help you succeed and grow.

  • Integrity Bank & Trust
  • 1275 Village Ridge Pt., Monument, CO, 80132
  • Integrity Bank & Trust is an employee-owned community bank, dedicated to the Colorado Springs area.

    The staff at Integrity is motivated and inspired by meeting the financial service needs of our customers and community. We endeavor to display behavior that is consistent with our faith-based beliefs and to serve others for their benefit.

  • The Fox Mortgage Team LLC
  • 17857 Lapis Court, Monument, CO, 80132
  • Our mission statement at The Fox Mortgage Team is to ensure we get you the Best deal not just a better deal so you’ll Never have to go through this very stressful event again. We specialize in VA home loans but also do all other types of loans as well! At the Fox Mortgage Team you’ll have a very pleasant experience with as little stress as possible

  • ADV Mortgage
  • 12 Rosalie Rd, Bailey, CO, 80421
  • ADV Mortgage was founded by Richie Frangiosa, a 20 year veteran of the mortgage industry.With an underwriting and processing background, we focus on the best possible service to our clients. We are not salespeople, and will never try to be. Our goal is to make the mortgage process as easy and transparent as possible.

  • Canyon River Mortgage LLC
  • 155 Salina St, Lafayette, CO, 80026
  • We opened the doors of Canyon River Mortgage in November 2006. Experiencing a lack of integrity in the real-estate lending business prompted me to create a company that prides itself on honest and ethical work. Our goal is to close your loan on time and with no surprises. By keeping on top of deadlines and communicating with all parties