USDA VS FHA in Golden, Jefferson County, CO

In 2025, the USDA loan limit for Golden, which is located in Jefferson county of CO, is set at $684,200. In comparison, the FHA limit for a single-family home is valued at $787,750.

Lendersa® offers a USDA loan calculator that allows you to strategically compare the most favorable current rates of USDA versus FHA loans. This tool helps ascertain the vital income level, credit score, reserves, and necessary documentation required to qualify. Through our sophisticated mortgage calculator, you can perform side-by-side comparisons of USDA, FHA, Conforming, and VA loans, enabling you to determine which program in regions like best suits your specific financial needs.

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Total Overview of 2025 Loan Limits and Downpayment Requirements in Golden, County of Jefferson, CO

Loan Type Loan Limit Down Payment
USDA $684,200 0%
FHA $787,750 3.5%
Conventional Conforming $787,750 3%

Comprehensive Overview of USDA and FHA Loan Options in Golden, CO

The mission of Lendersa® is to facilitate access to the most advantageous USDA or FHA loans promptly and without undue hassle. You have the flexibility to choose from three distinct starting strategies that link you to compatible lenders and associated USDA loan programs.

Visualization of Lendersa USDA loan request and matching results

Understanding USDA Loans in CO

A USDA home loan, under the auspices of the U.S. Department of Agriculture, is often termed a USDA rural development loan or USDA mortgage. It is exclusively available in rural neighborhoods, providing a unique advantage over FHA loans, which require a minimum down payment of 3.5%. A USDA mortgage loan offers the significant benefit of having no required down payment, thereby facilitating greater affordability and accessibility for eligible applicants.

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



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