USDA Vs. FHA your options comparison in Boulder, Boulder County, CO

In 2026, the USDA loan cap in Boulder, within the county of Boulder, CO, stands at $747,500. Meanwhile, the FHA loan limit is set at $856,750 for a single-family dwelling.

Utilize Lendersa® USDA loan calculator to assess today's leading USDA versus FHA mortgage rates, and to determine the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator provides a comparison of USDA, FHA, Conforming, and VA programs side by side, helping you identify which option in aligns best with your financial needs.

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Review 2026 loan caps and down payment conditions in Boulder, Boulder, CO

Type of Loan Maximum Loan Amount Down Payment Requirement
USDA $747,500 0%
FHA $856,750 3.5%
Conventional Conforming $856,750 3%

Exploring USDA and FHA Loan Plans in Boulder, CO

The mission of Lendersa® is to facilitate your access to an optimal USDA or FHA loan swiftly and with ease. Start by selecting one of the three approaches outlined below to connect with suitable lenders and matching USDA loan programs.

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Understanding USDA Loans in CO

A USDA home loan is a government-secured loan offered by the Department of Agriculture, commonly referred to as a USDA rural development loan or a USDA mortgage, and is accessible only in rural communities. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages have no down payment obligation.

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



  • KD Capital Mortgage Corporation
  • 1305 Vine Street, Paso Robles, CA, 93446
  • KD Capital was founded out of the profound need to do what is best for the client and provide constant communication during the transaction. We love what we do and every transaction is personal for us, not just another transaction. We have real people answering the phones. Our goal is for you to have the best experience possible every time.

  • Connect Home Loans
  • 2727 Buena Vista Dr, Suite 109, Paso Robles, CA, 93446
  • We are a privately held company large enough to meet all your needs, while small enough to make you a priority! Please take a look around & please let us know if we can assist you in any way. We look forward to hearing from you! Connect Home Loans offers custom financial solutions for every residential & commercial mortgage financing situation.

  • Pacific Funding Group
  • 70 Eagle Rock Way, Suite A, Brentwood, CA, 94513
  • Pacific Funding Group is Mortgage Company that provides Purchase and Refinance loans in the state of California. With branches in Brentwood and Walnut Creek CA, we have hundreds of Loan Programs to serve you including VA Loans, FHA Mortgage Loans, Conventional Mortgage Loans, Jumbo Mortgage Financing and our own in-house mortgage loan products.

  • REInspired Home Loans
  • 541 Montana Street, Brentwood, CA, 94513
  • Your Dream House is out there just waiting for you. With the mix of Search Tools you'll find - You have the ability to effortlessly search listings, save searches, and properties for future visits. The House you've always imagined is only one click away! Let Kristine Messa get you Pre-Approved so that you can find your dream home!

  • SC Realty
  • 2252 Putter Court, Brentwood, CA, 94513
  • SC Realty is a locally-owned brokerage company, focusing on residential financing and sales. We are proud to offer a full-service experience for all your residential real estate needs. At SC Realty, we are a one-stop shop whether you are selling, buying, refinancing, or looking to obtain a new loan.

  • Paragon Estates
  • 1837 Tanglewood Lane, Brentwood, CA, 94513
  • We pledge to be in constant communication with our clients, keeping them fully informed throughout the entire buying or selling process. We believe that if you’re not left with an amazing experience, we haven’t done our job. We don’t measure success through achievements or awards, but through the satisfaction of our clients.

  • All California Lending
  • 1145 2nd Street A262, Brentwood, CA, 94513
  • All California Lending specializes in hard money lending and commercial loans. We have been in the real estate lending business for many years, specializing in hard money lending for most of that time. It is due to this niche specialization that we are able to help so many of our clients.

  • Only 1 Benji
  • 1177 Hilltop Dr, Redding, CA, 96003
  • Benji Edwardson was born and raised in Redding, CA. He received his psychology degree in 2004 from Simpson University and wanted to go into counseling. He took a job at a local mortgage office in 2004 and decided this was his career.His wife Jamie is a local Real Estate agent that was also born and raised in Redding.

  • Houston Home Loan Inc
  • 14215 Smith Rd., Humble, TX, 77396
  • Houston Home Loan, Inc., we deal with the ins and outs of loans every day. Most people only think about them a few times in their life when they need to refinance or purchase a home. Years of experience and know-how make us the most qualified professionals to handle your mortgage transaction.

  • Bank of Oak Ridge
  • 2360 Tower Dr, Suite 107, Monroe, LA, 71201
  • Bank of Oak Ridge is a Louisiana chartered bank that began in 1910 and has proudly served Oak Ridge and the surrounding Morehouse and Richland Parish area for over 100 years. We were excited to expand our community banking services into Monroe, LA, by opening a Loan Production Office in June 2016, then converting it to a full-service branch in Sept