USDA Vs. FHA Pro and Con comparison in Lakewood, Jefferson County, CO
In 2026, the USDA loan cap in Lakewood, county of Jefferson, CO is $684,200, while the FHA cap for a single-family home is $787,750.
Leverage the Lendersa® USDA loan calculator to compare today’s USDA and FHA rates. Assess the necessary income, credit, reserves, and documents for qualification. Our tool lets you view USDA, FHA, Conforming, and VA programs side by side to help you decide which program best suits your finances in Alabama.
2026 Loan Limits & Down Payment Requirements in Lakewood, Jefferson County, CO
Loan Type
Loan Limit
Down Payment
USDA
$684,200
0%
FHA
$787,750
3.5%
Conventional Conforming
$787,750
3%
USDA and FHA Loan Options in Lakewood, CO
The mission of Lendersa® is to swiftly obtain the best USDA or FHA loan without hassle. Choose one of three starting paths to effectively connect with lenders and USDA programs.
A USDA home loan, or USDA mortgage, known as a USDA rural development loan, is backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans needing a minimum 3.5% down payment, USDA loans require none.
Options Credit Union (formerly named Legal Community Credit Union) is a non-profit financial institution that was established in 1979 by the Denver Bar Association to serve the legal communities banking & financial needs. Options Credit Union you can enjoy a fuill suite of products and services with no monthly fees, no minimum balance requirements.
Our story began in 1973 when 35 Johns Manville employees gathered their funds together and started our credit union as a member-owned financial cooperative. We grew rapidly over the years, serving only employees, retirees, and family members of Johns Manville.
In 1998, we expanded our membership to include other employer groups
10146 West San Juan Way, Unit 100, Littleton, CO, 80127
Lends in Colorado
Fit Lending, we are the ideal choice for a homebuyer in Colorado. We offer low mortgage rates, fast closings and one-on-one personalized service. With our streamlined mortgage approval process, we will close your purchase transactions as quickly as possible and keep you and your realtor updated throughout the process.
At Complete Funding Financial Services, where we specialize in residential mortgages. At Complete Funding Financial Services, 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.
Profile Home Loans is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different. Diann and Eric have been helping customers secure and manage their home loans for over 40 years. We offer quality loan products, delivered with excellent service, at a great price.
Based in Littleton, Colorado since 2002, Pivot Lending Group has always prided itself on being a Trusted and Collaborative mortgage lender. You will trust that your transaction is handled with the utmost care and with collaborative partnerships to produce options you want. We offer all home mortgage loans, including FHA, VA, USDA and Conventional.
7550 West Yale Avenue, Suite B206, Denver, CO, 80227
Lends in Colorado
BancSource is a locally owned Denver Mortgage company providing home mortgages, refinancing and loans for fix and flip deals. BancSource Mortgage provides Free consultations and is approved with over 25 different lenders so let us do the shopping for you. Our customers count on our knowledge, trustworthiness, and years of experience.
Academy National Mortgage Corporation (aka ANMC) is a mortgage lending institution that prides itself in providing high quality mortgage services to the public. Superior customer service and creating satisfied customers is our ultimate goal. We strive to meet the needs of our mortgage loan customers and exceed their expectations.
5353 West Dartmouth Avenue, Suite 519, Denver, CO, 80227
Lends in Colorado
"Ruby Rose Investments dba Ruby Rose Loans and Processing was formed with the intention of helping others build security in real estate. At the time I started my own company in 2004 I had been doing residential real estate for five years and was advised to form my own company."
