USDA Vs. FHA Pro and Con comparison in Alamosa, Alamosa County, CO

For 2025, the USDA loan cap in Alamosa, within Alamosa county, CO, is $420,600. Meanwhile, the FHA limit for a single-family dwelling is $472,030.

Utilize Lendersa®'s USDA loan calculator to assess today’s USDA vs. FHA rates. Discover the income, credit, reserves, and documentation required for qualification. Our advanced mortgage tool compares USDA, FHA, Conforming, and VA options side by side, aiding your decision as to which program in fits your financial needs best.

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Loan Limits and Down Payment Needs for 2025 in Alamosa, Alamosa, CO

Loan Type Loan Limit Down Payment
USDA $420,600 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Alamosa, CO

The goal of Lendersa® is to help you quickly find the best USDA or FHA loan with ease. Start with one of three pathways that connect you to suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in CO

A USDA home loan, backed by the Department of Agriculture, referred to as the USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • BlueMark Capital, LLC
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  • BlueMark Capital is a full service commercial mortgage banking firm with offices in Cincinnati, Dayton, and Cleveland, Ohio. BlueMark originates, closes, and services a loan portfolio in excess of $1.4 billion. In addition to having CMBS and agency relationships, the company exclusively represents more than 20 Life.
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  • Childrens Medical Center Federal Credit Union
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  • Children’s Medical Center Federal Credit Union is a member-owned and operated credit union. The mission of Children’s Medical Center Federal Credit Union is: To promote fiscal responsibility among our members, To increase the knowledge and ability of our members to manage and control their financial well- being
  • Montgomery VA Federal Credit Union
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  • The credit union was founded in 1946 by employees of the Veterans Administration in Montgomery, AL. It is our mission to offer quality service with a personal touch, ensure profitability & preserves the tradition of being a safe & secure member-owned cooperative.Membership in the credit union requires ownership of one or more shares of $25.00 each.
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  • Front Row Mortgage LLC
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  • Front Row we take the initiative to go above and beyond for our clients while offering services second to none. With flexible opportunities that include our E-Finance Process; a completely online lending experience; to our dedication to assisting you in every step of the lending process.
  • Peoples State Bank of Munising
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  • On May 7, 1910, seven men met to approve the Articles of Incorporation of a new bank. “The Peoples State Bank of Munising, ” as it was named, was established for the purpose of a commercial and savings bank. The bank opened for business on Wednesday, June 15, 1910. Over time, five branches were opened: Au Train in 1991,
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