USDA Vs. FHA your options comparison in Fruitvale, Mesa County, CO

During 2025, the USDA loan limit for Fruitvale in Mesa county, CO, is established at $420,600. Comparatively, for a single-family home, the FHA limit is $472,030.

To compare the top USDA and FHA rates available today, utilize the Lendersa® USDA loan calculator. This tool is helpful in determining the necessary income, credit, reserves, and requisite documents for qualification. By using our advanced mortgage calculator, you can view the USDA, FHA, Conforming, and VA loans side by side, making it simpler to decide which program in fits your financial scenario best.

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2025 Loan Limits and Down Payment Requirements in Fruitvale, Mesa, CO

Loan Type Loan Limit Down Payment
USDA $420,600 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Fruitvale, CO

The aim of Lendersa® is to efficiently secure the best USDA or FHA loan for you, free of complications. Choose one of three initial routes to find matching loan offers with USDA programs.

Lendersa USDA loan request and matching results

Understanding What a USDA Loan is in CO

A USDA home loan is a mortgage guaranteed by the U.S. Department of Agriculture, known also as a USDA rural development loan. It is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage requires no down payment at all.

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



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