USDA Vs. FHA your options comparison in Loveland, Larimer County, CO
For the year 2026, the USDA loan limit in Loveland, located in the county of Larimer, CO, is $522,100. Meanwhile, the FHA cap for a single-family home is $614,100.
To compare the best available USDA versus FHA rates today, utilize the Lendersa® USDA loan calculator. It helps you discern the income, credit, reserves, and documentation necessary for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, facilitating the decision-making process for which option in fits your financial needs.
2026 Loan Limits and Down Payment Requirements in Loveland, Larimer, CO
Type of Loan
Loan Limit
Down Payment
USDA
$522,100
0%
FHA
$614,100
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Loveland, CO
The objective of Lendersa® is to secure the optimal USDA or FHA loan for you efficiently and without complications. Start with one of these three approaches to connect with suitable lenders and USDA loan programs.
A USDA home loan, endorsed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is offered in rural regions exclusively. Unlike FHA loans, which necessitate a 3.5% minimum down payment, USDA loans do not require any down payment at all.
Family Mortgage provides residential mortgages for families and individuals looking to find their dream home or looking to refinance their existing mortgage. Whether you are a first time home buyer, an investor, or someone looking to sell your existing home and move up, we have the right mortgage loan for your needs.
M² Home Loans is the best choice because we always call our clients back in a timely manner and fight for the best deal for them. I opened my business to better serve our clients through a more personalized approach to the industry. Most importantly, we DO NOT take no for an answer from the underwriters without putting up the best possible fight
A&D Mortgage Group is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans for our trusted clients while providing the lowest interest rates and closing costs possible. Furthermore, we pledge to help our borrowers overcome any roadblocks that may arise while securing their loan.
1635 Foxtrail Drive, Suite 210, Loveland, CO, 80538
Lends in Colorado
Barnett Mortgage ensures a dedicated lender experience that helps ensure most people get the loan and rate they need. The customized loans offered through Barnett Mortgage are designed to meet each person’s needs. We shop for the lowest rates possible, helping you get an out of the box loan. We help our clients get competitively low rates
The Great Plains Mortgage Company team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
"At Alibel Mortgage we strive to offer the best products and services in the mortgage industry. As wholesale mortgage brokers we are able to offer the absolute lowest rates in the business. Our goal is to provide the best possible experience for all of our clients.
We attend every closing. This ensures that your closing transaction goes smooth
The Investor’s Source LLC funds deals throughout Colorado, offering a variety of hard money lending programs that provide solutions to the short-term challenges facing real estate investors. We can pre-approve your deal in 24-48 hours (or less) with no initial appraisal or deposit required until pre-approval is complete. Ask about our Preferred/
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a
Bank of Colorado is a family-owned, locally managed, Colorado community bank with a 38-year history in Colorado guided by a strong community-banking model of local management and local control. Bank of Colorado is known for its strength and stability, superior customer service and active involvement in the communities it serves.
