USDA and FHA Pro and Con in Cherry-Creek, Arapahoe County, CO
As of 2026, the USDA loan ceiling in Cherry-Creek, which is part of Arapahoe county in CO, is $477,400. In contrast, the FHA limit stands at $596,850 for single-family homes.
Leverage the Lendersa® USDA loan calculator for a comparative view of today's leading USDA versus FHA rates. Identify the income, credit score, reserves, and documentation required to gain approval. This advanced mortgage tool presents USDA, FHA, Conforming, and VA loans side by side, guiding you toward the most suitable loan program in given your financial circumstances.
Review of 2026 Loan Limits and Down Payment Necessities in Cherry-Creek, Arapahoe, CO
Type of Loan
Maximum Loan Amount
Required Down Payment
USDA
$477,400
0%
FHA
$596,850
3.5%
Conventional Conforming
$596,850
3%
Loan Choices: USDA and FHA in Cherry-Creek, CO
The mission of Lendersa® is to effortlessly secure the most appropriate USDA or FHA loan for you. Choose between three initial approaches that link you to compatible lenders and USDA loan schemes.
The USDA home loan, commonly known as the USDA rural development loan or USDA mortgage, is supported by the Department of Agriculture and is designated for rural areas specifically. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.
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