For the year 2025, the USDA loan ceiling in Arvada, situated in Jefferson, CO, is set at $684,200. In contrast, the FHA loan limit for a single-family residence reaches $787,750.
To compare today's leading rates for USDA versus FHA loans and to determine the income, credit score, reserves, and documentation needed for qualification, use Lendersa®'s USDA loan calculator. This advanced mortgage tool allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial needs in
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| Type of Loan | Maximum Limit | Down Payment | |
| USDA | $684,200 | 0% | |
| FHA | $787,750 | 3.5% | |
| Conventional Conforming | $787,750 | 3% |
The primary aim of Lendersa® is to assist in acquiring the best possible USDA or FHA loan quickly and with minimal hassle. Choose one of three pathways to connect with matching lenders and USDA loan solutions.
The USDA home loan is a government-endorsed mortgage offered by the Department of Agriculture, commonly called a USDA rural development loan or USDA mortgage. It is exclusively available for rural areas. Unlike FHA mortgages, which require a minimum down payment of 3.5%, USDA loans come with zero down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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