USDA Vs. FHA Pro and Con comparison in Alamosa, Alamosa County, CO
For 2026, 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.
Loan Limits and Down Payment Needs for 2026 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.
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.
As a Community Development Financial Institution, our mission at First Southwest Bank is to cultivate valuable relationships, invest in economic and social doers, and foster a well-lived rural Colorado culture. Serving the San Luis Valley and rural Colorado for more than 100 years, we offer personal and business banking at our six branches.
Alamosa National Bank was chartered on February 9 and opened for business on March 14. It was organized with $25, 000 capital, and cash on hand was $2, 000 with $1, 200 in currency and $800 in silver. The first day’s deposits totaled $14, 659.30. The Original Board of Directors were Chris Wallrich.
RG BANK is a superior financial institution, member-owned, professionally managed, renowned for outstanding service delivered with integrity. RG BANK serves our customers and communities with commitment and pride helping to foster their achievements and success. RG BANK is a leader with the vision to welcome change and the insight to provide.
Del Norte Bank was chartered as Del Norte Building and Loan Association on May 9th, 1921 by Charles W. Donnen, William Johnson, Louie Eickenrodt, J.H. Weiss, and J.P. Russell. The purpose of the building and loan was to provide a safe place to save money and to offer financing for families to build homes.
We are the breath of fresh air Colorado's dreamers are looking for. Power Credit Union sees beyond the money to empower members with the financial resources they need to live the life they want to live. We have a sincere interest in our members’ well-being and always have their best interest in mind.
MWCU is a locally owned and operated Credit Union serving the citizens of Pueblo & Custer County with exceptional customer service, reliable products and cutting edge technology to meet the needs of the busy, hardworking individuals we serve. Minnequa Works Credit Union is unlike other types of financial institutions that need to generate a profit.
NeighborWorks Southern Colorado (NWSoCo) is a registered 501(c)3 nonprofit organization located in Pueblo, CO. As an affiliate member of NeighborWorks America with 40 years of experience and a network of community partners, NWSoCo is uniquely qualified to meet the needs of communities across Southern Colorado.
