For 2025 in Highlands-Ranch, Douglas county, CO, the USDA loan limit is $477,400, whereas the FHA limit for a single-family home is $596,850.
Utilize Lendersa®'s USDA loan calculator to compare current USDA versus FHA rates. You can also assess income, credit, and document requirements to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program in
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| Loan Type | Maximum Limit | Down Payment | |
| USDA | $477,400 | 0% | |
| FHA | $596,850 | 3.5% | |
| Conventional | $596,850 | 3% |
The goal of Lendersa® is to secure for you the optimal USDA or FHA loan quickly and without hassle. Start from one of three possible paths to connect with compatible lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage provided by the Department of Agriculture. Often referred to as a USDA rural development loan or mortgage, it is available exclusively for rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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