Explore the differences! FHA VS Conventional loan programs in Highlands-Ranch, Douglas County, Colorado

In 2025, Convetional loan limit in Highlands-Ranch, county of Douglas, CO is $684,250 while FHA limit is $684,250 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CO is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Highlands-Ranch, county of Douglas, CO

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

The comparison table applies to zip codes: 80129, 80126, 80130, 80163

Conventional and FHA loan options in Highlands-Ranch, CO

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Sheridan Mortgage
  • 28662 Oso Parkway, Suite D401, Rancho Santa Margarita, CA, 92688
  • "Sheridan Mortgage Full-service mortgage company specializing in purchase loans. Our staff of experienced loan professionals can make any transaction smooth from start to finish. Let us show why so many families and referral partners have trusted us with their transactions too close on time. ""Expertise You Can Trust"
  • Oso Creek Financial
  • 32 Woodsong Rancho, Santa Margarita, CA, 92688
  • OSO Creek Financial is a local lender and broker The mortgage loan process is complex. To navigate it successfully, you need a mortgage professional to guide you and keep you from making the mistakes that can cost you time, money and stress. We do things differently and have the ability to shop and compare mortgage rates/programs for you
  • Vatreni Mortgage.
  • 30212 Tomas, Suite 100, Santa Margarita, CA, 92688
  • Vatreni, Inc. is a family-run real estate and mortgage company built on integrity. With over 88 years of combined real estate and mortgage lending experience, we believe our clients come first. Vatreni provides exceptional customer service by being upfront, clear and honest with the motto ‘Under promise, over deliver
  • FidoFI
  • 22431 Antonio Parkway, Suite 108, Rancho Santa Margarita, CA, 92688
  • FidoFi has a goal of being the most economical and most practical mortgage available. We deliver the lowest wholesale rate on any given day and pass that directly to you. You simply cannot beat our deal. FidoFi brings the best in mortgage lending products to your phone, tablet, or computer.
  • Blue Wave Funding
  • 30021 Tomas Rancho, Santa Margarita, CA, 92688
  • At Avacad, Inc, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates
  • Pacific Choice Mortgage
  • 30211 Avenida De Las Bandera, Suite 200, Rancho Santa Margarita, CA, 92688
  • We pride ourselves in giving you the mortgage information, loan options & convenient assistance you’re looking for.We never charge an application fee, escrow/impound waiver fee or lock-in fee.Your personal mortgage specialist will provide you with several options that best meet your needs. Buying or refinancing a home is stressful to say the least.
  • MRV Banks
  • Genevieve Drive, Suite 871, Sainte Genevieve, MO, 63670
  • MRV Banks is a locally owned, independent bank dedicated to serving consumers and small businesses throughout Missouri. Since our beginnings in 2007, we have been providing the best products and services for our customers while supporting the communities in which we work and live.
  • LendSure Mortgage Corp.
  • 12230 World Trade Drive, Suite 250, San Diego, CA, 92128
  • "Headquartered in San Diego, California, LendSure Mortgage Corp. was founded in 2015 to help mortgage professionals better serve their clientele by offering a wider range of programs to meet their needs. LendSure offers a comprehensive range of Non-QM loan programs for borrowers that don’t fit conforming guidelines. Our loan programs include:"
  • Advantage Mortgage
  • 17353 Graciosa Court, San Diego, CA, 92128
  • Founded in 2002, Advantage Mortgage is a service oriented real estate mortgage brokerage owned and operated by Richard G. "Buck" Hite. Buck Hite has been a licensed real estate and mortgage broker for over 30 years. His experience and knowledge are invaluable in successfully navigating the real estate transaction.