FHA VS Conventional loan programs in Rifle, Garfield County, Colorado

In 2026, the limit for a Conventional loan in Rifle, Garfield County, CO, is set at $948,750, while the FHA limit for a single-family home is $1,089,300.

Use the Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator lets you analyze Conforming, USDA, FHA, and VA loans side by side, aiding in deciding the most suitable program in CO based on your financial needs.

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2026 Loan Limits and Downpayment Requirements in Rifle, Garfield, CO

Loan Type Loan Limit Down Payment
Conventional Conforming $948,750 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This table covers zip codes: 81650

Conventional and FHA Loan Choices in Rifle, CO

The goal of Lendersa® is to facilitate obtaining the best possible Conventional, USDA, or FHA loan swiftly and effortlessly. Start your journey by choosing one of three pathways that lead you to matching lenders and loan programs.

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Rifle Lenders

  • Alpine Bank and Trust Co
  • 2200 Grand Avenue, Glenwood Springs, CO, 81601
  • Lends in Colorado
  • Alpine Bank is an independent, employee-owned bank which has been helping build Colorado communities for over 45 years. In a time of impersonal banking giants, Alpine Bank stands out as a full-service community bank with the personal touch--delivering the full range of personal, business, wealth management*, mortgage and electronic banking services

  • Grand Valley Home Loans
  • 127 N Cherry St, Fruita, CO, 81521
  • Lends in Colorado
  • Discovering your dream home is easier with Grand Valley Home Loans. Since 2016, they've been helping clients navigate the intricate world of home financing with options like VA, FHA, and USDA loans. Whether upgrading, downsizing, or just starting your homeowner journey, they offer specialized services like no money down and down payment grants. Rea

  • Grand Junction Federal Credit Union
  • 633 24 Road, Grand Junction, CO, 81505
  • Lends in Colorado
  • GJFCU provides the following, competitive services to the community: low-balance savings accounts, free checking accounts, share certificates, IRA certificates, direct deposit, wire transfers, payroll deduction, debit cards, Visa credit card – no annual fee, pre-paid debit & travel cards, gift cards, money orders, low interest loans.

  • Rio Grande Federal Credit Union
  • 760 Rood Avenue, Grand Junction, CO, 81501
  • Lends in Colorado
  • Rio Grande Federal Credit Union is a full-service financial institution, proudly serving the daily financial needs of over 4600 members. As a member-owned, not-for-profit company, our earnings go back to members in the form of more favorable rates on loans and credit cards as well as lower fees for banking products and services.

  • Coloramo Federal Credit Union
  • 516 28 Road, Grand Junction, CO, 81501
  • Lends in Colorado
  • Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office employees. Today, Coloramo serves 11,088 members and has assets of $150 million. Coloramo Federal Credit Union's mission is to build lifelong member relationships to help our members.

  • W.C. Mortgage Inc.
  • 803 White Avenue, Grand Junction, CO, 81501
  • Lends in Colorado
  • At W.C. Mortgage Inc., we have a saying here, "Mobiles to Mansions," whether you are buying a manufactured house in a mobile home park or a mansion on acreage we have a competitive program for you. We have been in business for over a decade as a small personable brokerage that has grown throughout the years by being true to our customers.

  • Delta County Federal Credit Union
  • 100 Circle Drive, Delta, CO, 81416
  • Lends in Colorado
  • It is the mission of Delta County Federal Credit Union to offer products and services which meet the financial needs of our present and future members. DCFCU will strive to ensure long-term financial stability by providing products and services in a manner consistent with high standards of quality, at the fairest price.

  • MOUNTAIN VALLEY BANK
  • 101 N. 6th Street, Hayden, CO, 80487
  • Lends in Colorado
  • Colorado hometown bank with locations in Steamboat Springs, Walden, Meeker and Hayden. We also have locations in Wyoming and Nebraska. Our products include personal banking, business banking, loans, checking, savings, CDs, FREE ATM usage for our customers, Cash Back Rewards, credit cards, mortgage loans, car loans, and ag loans.

  • Yampa Valley Bank
  • 600 South Lincoln, Suite 100, Steamboat Springs, CO, 80487
  • Lends in Colorado
  • Yampa Valley Bank is a truly locally owned Bank serving the people of Routt and Moffat Counties. Our singular commitment to community Banking is reflected in the honest and friendly service provided to all our visitors. It’s what we call Genuine Hometown Banking - it’s who we are.