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

For the year 2025, the USDA loan limit in Centennial, located in the county of Arapahoe, CO, amounts to $547,400, whereas the FHA limit for a single-family home is $787,750.

Employ the Lendersa® USDA loan calculator to pit today's best USDA and FHA rates against each other, and ascertain the income, credit, and reserves needed alongside required documents for eligibility. With our advanced mortgage calculator, you can effortlessly compare the USDA, FHA, Conforming, and VA options, assisting you in choosing the optimal program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Centennial, Arapahoe County, CO

Type of Loan Maximum Limit Required Down Payment
USDA $547,400 0%
FHA $787,750 3.5%
Conventional Conforming $787,750 3%

Exploring USDA and FHA Loan Options in Centennial, CO

The goal of Lendersa® is to facilitate rapid access to the best USDA or FHA loan options with minimal fuss. Choose from one of three start points that align you with lenders and matching USDA loan programs.

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Understanding the USDA Loan in CO

A USDA home loan, guaranteed by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans, which demand at least a 3.5% down payment, USDA loans do not require any down payment at all.

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



  • CUSTOM MORTGAGE SERVICES, INC.
  • 5930 Odell St, Suite 230, Cumming, GA, 30040
  • We offer the personalized service that you desire. Our level of service won't be beaten and our track record proves this. We understand that buying a new home, refinancing your mortgage or cashing out your home equity is a big decision. With our quality service, we will simplify the process and help get the approved mortgage for you.
  • Eastern Kentucky Federal Credit Union
  • 550 North Lake Drive, Prestonsburg, KY, 41653
  • Eastern Kentucky Federal Credit Union is a federally regulated, and non-profit credit union, established in 1969 by the employees of Kentucky West Virginia Gas Company located in Eastern Kentucky. On April 1, 2015 the board of directors voted to change the name to Eastern Kentucky Federal Credit Union.
  • BrightPath Mortgage
  • 1200 Ashwood Pkwy, Suite 200, Atlanta, GA, 30338
  • BrightPath Mortgage, we provide a wide range mortgages to ensure that our valued customers have access to the best interest rates and loan terms. Our dedication to your complete satisfaction means that your needs are our ultimate priority. For borrowers who are preparing to relocate or are involved in out-of-state real estate investing,
  • Lee Bank and Trust Company
  • 41371 West Morgan Avenue, Pennington Gap, VA, 24277
  • Lee Bank & Trust Company was formed in 1932 when four small Lee County banks, in business as far back as the mid-1800s, merged during the Great Depression. More than eighty five years later, the bank continues to be a strong, stable, and secure institution within its communities with approximately $154 million in assets
  • STELLAR Mortgage Corporation
  • 3455 Peachtree Road NE, 5th Floor, Atlanta, GA, 30326
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Charmaine Roberts & Associates LLC
  • 3355 Lenox Road, Suite 1000, Snellville, GA, 30326
  • Charmaine Roberts & Associates LLC mortgage broker with over 18 years experience in the mortgage industry. I've partnered with multiple lenders that finance good credit and credit challenged borrowers. Getting approved for a home loan is a multi layered qualification process I'll guide you through.
  • EMG MORTGAGE
  • 3344 Peachtree Rd NE, Suite 2902, Atlanta, GA, 30326
  • EMG Mortgage is a division of Ellis Management Group LLC, a locally owned mortgage company established in 1996. The owner and President of the company, Mary Ellis, has been in the Lending Industry for almost 40 years. Our main office is located in Albany, GA with a branch office in Atlanta, GA.
  • POST CREEK MORTGAGE, LLC
  • 3348 Peachtree Rd NE, Suite 700, Atlanta, GA, 30326
  • Welcome to Post Creek Mortgage, where we specialize in residential mortgages. At Post Creek Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.