USDA Vs. FHA Pro and Con comparison in Burlington, Kit Carson County, CO

In 2026, the USDA loan limit in Burlington, located in Kit Carson county, CO, is set at $336,500, while for a single-family home, the FHA limit is $472,030.

Employ the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Determine your needed income, credit, reserves, and documents to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side, helping you discern which program in suits your financial needs best.

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2026 Loan Limits and Downpayment Requirements in Burlington, Kit Carson, CO

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Burlington, CO

Lendersa® is committed to swiftly obtaining the best USDA or FHA loan for you, hassle-free. Begin with one of three starting options that lead to matching lenders and USDA programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in CO?

A USDA home loan, sometimes referred to as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans have no down payment requirement.

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



  • ACPE Federal Credit Union
  • 2835 Grand Avenue, Laramie, WY, 82070
  • ACPE Federal Credit Union has been in the community for almost 54 years and we are still going strong. We have recently expanded our building to better serve our members. We have a friendly staff waiting to help you with any financial needs you may have. Call or stop in today!Credit Union has been in the community for almost 54 years
  • UniWyo Credit Union
  • 2020 Grand Ave, Suite 100, Laramie, WY, 82070
  • At UniWyo, we put people first - our members, our colleagues, everyone in our communities. In all we do - even the smallest interactions - we aim to better people's lives. UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, Xtraordinary Checking, Credit Cards and much more.
  • Choice One Mortgage Inc
  • 2900 Grand Avenue, Suite 13, Aspen Square laramie, WY, 82070
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • COLONIAL SAVINGS, F.A.
  • 2020 Grand Ave, Suite 100, Laramie, WY, 82070
  • Colonial is a national provider of banking, home loans and insurance. Founded in 1952, the company has $1 Billion in assets and is privately held by choice to ensure our focus remains on our customers and not the expectations of Wall Street. Colonial is rated “Five Stars – Highly Recommended” as one of the strongest financial institutions
  • Equitable Bank
  • 113 North Locust Street, Grand Island, NE, 68802
  • Equitable Bank was established in 1882 shortly after the community of Grand Island was incorporated. It was organized by a small group of pioneers and was called, at that time, Grand Island Building & Loan Association. For nearly 140 years Equitable Bank has served the community of Grand Island & the surrounding area providing financial services.
  • First State Bank
  • 1405 Sixteenth Street, Wheatland, WY, 82201
  • First State Bank is a hometown bank staffed with your neighbors and friends, who are committed to providing you with quality, professional, hometown service. Being a hometown bank means local management and local decision making. We are proud of the communities we serve and are committed to supporting and being involved with them.
  • Central Nebraska FCU
  • 609 South Locust, Grand Island, NE, 68801
  • Central Nebraska Federal Credit Union has been open since 1985. The credit union has assets totaling $12.21 Million and provides banking services to more than 1, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • Home Federal Bank
  • 221 S Locust St, Grand Island, NE, 68801
  • Home Federal Bank To provide solutions to our customers that enhance their financial security in the most convenient and efficient way possible while striving to provide the most value and return to our stakeholders. Home Federal Bank was founded by Buck Beltzer in May of 1935. Home Federal Bank's first office was located in the Grand Island.
  • Citizens Bank & Trust Company
  • 721 7th Street, Saint Paul, NE, 68873
  • The bank began in May of 1888 when five shareholders – A. A. Kendall, W. A. Wilson, Ed McCormick, Husted Agar and T. F. McCarty – incorporated Citizens National Bank. The bank officially opened its door on July 5, 1888. In 1911, it became Citizens State Bank, then in 1930 the bank converted to Citizens National Bank.
  • Chadron Federal Credit Union
  • 126 East 3rd Street, Chadron, NE, 69337
  • The Chadron Federal Credit Union is a family financial institution established to provide member services in a format conducive to the credit union philosophy of "people helping people help themselves." Services offered will be member oriented within the realms of maintaining financial soundness.
  • Hamlet Financial Corporation
  • 1445 Red Butte Drive, Aspen, CO, 81611
  • At Hamlet Financial Corporation. We know that each customer has specific needs, so we strive to meet those demands with a wide array of products, exceptional service and individualized attention. We offer an extensive network of lending sources for conforming, jumbo and super jumbo loans for primary residences, second homes
  • Rio Grande Savings and Loan Association
  • 901 1st Avenue, Monte Vista, CO, 81144
  • 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.