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

In 2025, 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 2025 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?



  • Creekside Mortgage, Inc.
  • 4601 NE 77th Ave, Suite 100, Vancouver, WA, 98662
  • You could search the Pacific NW high and low and never find a company more dedicated to you, the borrower. With more than 80+ years of combined experience in the real estate industry, our professionals work hard for you to ensure a smooth and successful transaction. We are committed to quality customer service - putting the people we serve first.
  • Cascade Northern Mortgage
  • 7710 Northeast Greenwood Drive, Suite 170, Vancouver, WA, 98662
  • Cascade Northern Mortgage is a trusted name for your mortgage needs. With nearly 4 decades of experience in the mortgage industry and licensed mortgage brokers in both Washington and Oregon, we can help you achieve the financial solution that works best for you. As experienced mortgage loan officers.
  • Theory Mortgage
  • 2809 Northeast Martin Luther King Blvd, Portland, OR, 97212
  • Theory Mortgage provides borrowers with mortgage strategy guidance for the greatest personal prosperity, while contributing to the greater good of the community. Whether we're buying business cards or meeting a client for coffee, we choose to support local, small businesses to enrich our community.
  • Forward Financial Credit Union
  • 1250 Roosevelt Road, Niagara, WI, 54151
  • Forward Financial Credit Union was started in 1948 as Niagara Papermill Employee’s Credit Union in Niagara, Wisconsin. Through the years we have added branches in Pembine and Marinette, Wisconsin and Iron Mountain, Michigan. We are committed to providing convenient, quality financial services that meet our members needs, now and in the future
  • Evansville Firefighters Federal Credit Union
  • 312 N 4th Avenue, Evansville, IN, 47710
  • Evansville Firefighters Federal Credit Union has been serving its members in the EVANSVILLE, Indiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages.
  • Sterling United Federal Credit Union
  • 1330 West Franklin Street, Evansville, IN, 47710
  • Here at Sterling United Federal Credit Union we are humble to our history. The Credit Union originated in 1956 with the initial purpose being to serve employees of Sterling Brewery and their families. Amusingly enough, it all began in the brewery locker room – where employee’s checks could be cashed!
  • Farmers Bank and Trust Company
  • PO Box 559, Princeton, KY, 42445
  • FARMERS BANK AND TRUST COMPANY is an entity registered with the U.S. General Services Administration (GSA), System for Award Management (SAM). The corporation number is #J6GLPKB2MRG2. The business address is 111 W Washington St, Princeton, KY 42445-1907, USA. The point of contact name is Scott Laffoon.
  • First State Bank of Porter
  • 230 Lincoln Street, Porter, IN, 46304
  • Porter Bank offers a wide variety of services designed to meet all of our customer’s needs. Our Online Banking product is a secure way to see your account balances and transactions without having to leave home. If you are away from home and want to check your banking information, our Mobile Banking product is the thing for you.
  • THE MORTGAGE EXCHANGE LLC
  • 711 Plaza Dr., Chesterton, IN, 46304
  • At The Mortgage Exchange LLC, our goal is to be your lender for life. As one of Northwest Indiana’s premier home loan lenders, we understand that one of the largest purchases someone will make in their life will be their home. We strive to make that process as personal as possible. We understand that every buyer is different,
  • Chemcel Federal Credit Union
  • 5740 County Road 4, Bishop, TX, 78343
  • Chemcel Federal Credit Union has been serving the families of Celanese employees since 1951. As time went by, we began offering our services to conTractors working at the Celanese sites as well as their families. Now, Chemcel FCU is able to serve residents living, working, worshipping and/or attending school in Jim Wells, Kleberg.