USDA Vs. FHA Pro and Con comparison in Monte-Vista, Rio Grande County, CO

In 2025, the USDA loan limit in Monte-Vista, situated in Rio Grande county, CO, is $285,000. At the same time, the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today's most favorable USDA versus FHA rates. Determine the income, credit, reserves, and documents you need to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to help decide the best program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Monte-Vista, Rio Grande, CO

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Solutions in Monte-Vista, CO

The primary goal of Lendersa® is to swiftly assist you in obtaining the best USDA or FHA loan without hassle. Choose one of three starting options that align you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CO

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specifically for rural areas. It contrasts with FHA loans, which require at least a 3.5% down payment, as USDA loans require no down payment.

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



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