As of 2025 in Niwot, located in Boulder, CO, the USDA loan limit is $747,500, whereas the FHA limit for a single-family home is $856,750.
Utilize the Lendersa® USDA loan calculator to contrast today's foremost USDA and FHA rates and determine the income, credit score, reserves, and documentation necessary for approval. Our enhanced mortgage calculator helps you examine USDA, FHA, Conforming, and VA choices side by side, aiding your selection of the right program for your financial situation in
Review loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $747,500 | 0% |
| FHA | $856,750 | 3.5% |
| Conventional Conforming | $856,750 | 3% |
Lendersa® aims to swiftly provide you with the most optimal USDA or FHA loan without complication. Start with one of three pathways to connect with matching lenders and USDA loan programs.
The USDA home loan, secured by the Department of Agriculture and known also as a USDA rural development loan or mortgage, is exclusively available in rural zones. Unlike FHA loans, which demand a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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