USDA VS FHA in Montrose, Montrose County, CO

In the year 2026, the USDA loan limit in Montrose, situated in Montrose county, CO, is $336,500. For a single-family home, the FHA limit is set at $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates. Determine the necessary income, credit score, reserves, and documentation for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program in for your personal financial needs.

Compare offers from a selection of 100 lenders

Comprehensive Loan Limits and Downpayment Requirements for 2026 in Montrose, Montrose County, CO

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Montrose, CO

Lendersa® aims to provide you with the best USDA or FHA loans promptly and efficiently, without complications. Select one of three starting points to find matching lenders and USDA loan programs.

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An Introduction to USDA Loans in CO

A USDA home loan is guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and it is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA loan program requires no down payment at all, offering greater financial flexibility.

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



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  • Since its inception in 1952, the Mississippi DHS Federal Credit Union has been serving its members in and around the Jackson, Mississippi area with exceptional financial products. The Mississippi DHS FCU offers its members a full-service website that allows for true “Banking From Home” functionality.

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