USDA Vs. FHA Pro and Con comparison in Durango, La Plata County, CO

In 2024, USDA loan limit in Durango, county of La Plata, CO is $494,500 while FHA limit is $596,850 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Durango, county of La Plata, CO

Loan Type Loan Limit Down payment
USDA $494,500 0%
FHA $596,850 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Durango, CO

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Colorado?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • ALMC Mortgage
  • 11080 Circle Point Rd, Suite 100, Westminster, CO, 80020
  • "ALMC @ Nova Home Loans is a residential mortgage lender. We are committed to serving the homebuyers and homeowners of Colorado with exceptional service and professionalism. NOVA Financial & Investment Corporation, dba NOVA Home Loans (NMLS 3087) has built a strong reputation for providing exceptional service to our customers."
  • Colorado Real Estate Brokers, Inc.
  • 6343 W 120th Ave, Suite 110, Broomfield, CO, 80020
  • Colorado Real Estate Brokers, we aim to offer our clients not only exceptional service, but also unparalleled results. We focus on Commercial Real Estate Sales & Leasing along the Front Range and have over 25 years combined experience and My goal as the owner of a real estate brokerage.
  • DNL Mortgage Authority Inc
  • 1064 E 17th Ave, Broomfield, CO, 80020
  • At DNL Mortgage Authority Inc., where we specialize in residential mortgages. At DNL Mortgage Authority Inc., 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.
  • Allegiant Funding
  • 1662 South Idalia Circle, Unit P, Aurora, CO, 80017
  • 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.
  • Fitzsimons Credit Union
  • 2201 Fitzsimons Pkwy, Aurora, CO, 80045
  • The vision of Fitzsimons Credit Union is to be the recognized leader in our community by consistently delivering an exceptional partner experience. Our mission is to know our partners as individuals and focus on their life-long financial needs; advise and advocate while always exceeding their expectations. As "a partnering credit union.
  • The Best Loan Officer
  • 225 Union Blvd, Suite 150, Denver, CO, 80229
  • Colorado's Best Mortgage Broker, The Best Loan Officer! If you need money for a real estate transaction, we can find it for you. As your expert mortgage broker, your best interest is always on my mind. I like to keep my clients for life. The only way to do that is to offer exceptional service plus knowing that I am your trusted advisor
  • Rocky Mountain Law Enforcement Federal Credit
  • 992 Potomac Cir, Aurora, CO, 80011
  • Originally founded by the Denver Police Department, RMLEFCU has proudly served law enforcement professionals and their families since 1938. Over the years, we have grown to include a membership of more than 10,000 members and assets in excess of $145 million. RMLEFCU is regulated by the National Credit Union Administration (NCUA).
  • The District Credit Union
  • 751 Chambers Rd, Aurora, CO, 80011
  • The District Credit Union is a not-for-profit cooperative, founded in 1961 by eight Aurora Public School teachers. Ever since, our education-minded credit union has fought hard to improve the financial lives of our members with better products and friendlier service. Become a member of the District Credit Union today and start prospering