USDA Vs. FHA your options comparison in Florence, Fremont County, CO

In 2025, the USDA loan cap in Florence, located in Fremont county, CO, stands at $336,500, whereas the FHA cap for a single-family dwelling is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the most competitive USDA and FHA rates available today. It helps you ascertain the income, credit, reserves, and documents essential for qualification. Our sophisticated mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in choosing the best option tailored to your financial needs in Alabama.

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2025 Loan Limits and Down Payment Guidelines in Florence, Fremont County, CO

Type of Loan Maximum Loan Initial Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Choices in Florence, CO

The mission of Lendersa® is to quickly and effortlessly help you secure the best USDA or FHA loan. You can start with one of three pathways to find matching lenders and the appropriate USDA loan programs.

Lendersa USDA loan request and matching outcomes

Defining USDA Loans in CO

A USDA home loan is a government-guaranteed mortgage offered by the Department of Agriculture, also recognized as a USDA rural development loan or mortgage, and is exclusively accessible in rural regions. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans demand no down payment at all.

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



  • Spirit of Alaska Federal Credit Union
  • 1417 Gillam Way, Fairbanks, AK, 99701
  • "Spirit of Alaska Federal Credit Union (Spirit of Alaska) was founded in 1960. In the beginning, it was a small organization located in the Constitution Hall’s Viking Room at the University of Alaska Fairbanks. When it opened, Spirit of Alaska had $32, stored in a metal cash box. The driving force behind the credit union’s founding was four te
  • Denali State Bank
  • 119 N Cushman St, Fairbanks, AK, 99701
  • Denali State Bank. We’re a full-service community Bank based in FairBanks, Alaska.We opened our doors in 1986 with the belief that our community and customers want and deserve to work with a Bank where all Bank decisions impacting their financial security are made right here in FairBanks.
  • Mt. McKinley Bank
  • 500 Fourth Ave, Fairbanks, AK, 99701
  • Mt. McKinley Bank is the oldest and largest local financial institution in FairBanks. For over 50 years we have provided millions of dollars in residential mortgage financing offering in-house loans and local servicing in our effort to provide the best possible customer service. Today, our goals as a mutual Bank are the same as they were in 1965.
  • MAC Federal Credit Union
  • 3700 Santiago Ave., Fort Wainwright, AK, 99703
  • Our credit union was chartered in 1952. For many years, we served primarily active duty and civil service personnel associated with Fort Wainwright. Then, in 2001, we branched into the community of Fairbanks and now serve all of the Fairbanks North Star Borough. Through mobile banking, remote deposit capture
  • Kodiak Island Housing Authority
  • 3137 Mill Bay Road, Kodiak, AK, 99615
  • Kodiak Island Housing Authority originates both Alaska Housing Finance Corporation (AHFC) Loans and Fannie Mae Loans. A variety of loans and add-on options are available to suit your needs. Please fill out one of our mortgage loan applications below and Karenia Hackett, our Mortgage Loan Specialist
  • Oriental Bank
  • 17705 Road 2 Building, Suite 2, Aguadilla, PR, 00603
  • Since 1964, Oriental has thrived as one of Puerto Rico’s leading banks focused on serving the needs of consumers, businesses, and institutions. With multiple branches throughout the island, it has the second-largest network, and is the third-largest financial institution in core retail and commercial deposits.
  • Aceland Mortgage LLC
  • 151 Calle San Francisco, San Juan, PR, 00901
  • Aceland Mortgage LLC, (formerly known as Aceltis Financial Group, Inc.) is a mortgage company dedicated to providing our clients with the latest mortgage products at competitive rates with unparalleled knowledge and support. Our team has been working in the front lines of the mortgage space for almost 20 years,
  • Money House
  • 52 Calle Paseo Covadonga, San Juan, PR, 00901
  • At Moneyhouse, we provide scalable and flexible partnership opportunities to help you achieve the success and market share levels your business plan objectives have addressed. Whether you are new to the reverse mortgage product or looking to add an additional Partner relationship
  • Puerto Rico Federal Credit Union
  • 55 Resolucion Street, Caparra, PR, 00920
  • Puerto Rico Federal Credit Union is a nonprofit cooperative founded in 1960. Our offerings include Personal Loans, Secured Loans, New and Used Car Loans, Auto Loan Refinance, Credit Cards, Home Loans, Stock Certificates, Reserve Line, Stock Account, Savings Account, Checking Account and others. services.
  • RF MORTGAGE & INVESTMENT CORP
  • 1148 Fd Roosevelt Ave, San Juan, PR, 00920
  • At RF Mortgage we are committed to offering our clients a personalized service. Our goal is to guide & offer our customers the best alternati goes on the market. This service has been the foundation of our success, causing our satisfied clients to be the best advertisement, constantly referring us to friends & family to help their mortgage needs.
  • Co/LAB Lending
  • 1666 Av. Juan Ponce de León, San Juan, PR, 00909
  • Co/LAB Lending is a mortgage broker that’s committed to superior customer service and ultimate client satisfaction. Whether you’re a first-time home buyer or refinancing your fourth investment property, our job is to guide our clients through the entire mortgage process from application to closing and beyond.