For 2026, the USDA loan limit in Orchard-Mesa, in Mesa County, CO stands at $285,000, while the FHA limit for a single-family home reaches $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate the best USDA VS FHA rates available right now. This tool helps determine the income, credit score, reserves, and documentation needed to qualify. Our enhanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA choices, allowing you to choose which program in Alabama suits your financial situation best.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is dedicated to quickly finding you the best USDA or FHA loans without hassle. Begin with one of three starting options to connect with lenders and suitable USDA programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is often called the USDA rural development loan. These loans are available only in rural areas and, unlike FHA loans which require a minimum of 3.5% down, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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