USDA Vs. FHA Pro and Con comparison in Palmer-Lake, El Paso County, CO

In 2025, the USDA loan limit for Palmer-Lake, located in El Paso county, CO, is $314,600. Meanwhile, the FHA limit for a single-family home is $393,300.

Use the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, determining the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you'll be able to examine USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .

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Understanding 2025 Loan Limits and Downpayment Requirements in Palmer-Lake, El Paso, CO

Loan Type Loan Limit Down Payment
USDA $314,600 0%
FHA $393,300 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Choices in Palmer-Lake, CO

The aim of Lendersa® is to efficiently find you the most suitable USDA or FHA loan without delay. Begin with any of the three starting points that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Exactly is a USDA Loan in CO?

A USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the government Department of Agriculture. It is exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment.

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



  • Inspyre Mortgage LLC
  • 2090 Candleglow Street, Castle Rock, CO, 80109
  • 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 loan.
  • MortgageLink Solutions LLC
  • 2160 Bellavista Street, Castle Rock, CO, 80109
  • MortgageLink Solutions Offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. 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.
  • Pikes Peak National Bank
  • 2401 W. Colorado Ave, Colorado Springs, CO, 80904
  • Pikes Peak National Bank was opened in 1957 by local business people from the west side of Colorado Springs. It is one of the few independent banks left in the region. In 2020, we are grateful to celebrate 63 years of service to the Pikes Peak region. We are in business to help local small businesses and families achieve their dreams.
  • Abundant Mortgage Lending Inc
  • 2950 Professional Place, Suite 209, Colorado Springs, CO, 80904
  • As mortgage brokers, we have access to a wide range of loan programs. We can provide you an efficient closing process with competitive rates. We are committed to finding a home loan solution to fit your needs, whether it is a new purchase loan, construction loan, refinance loan or a home improvement loan. Your best interest is our priority.
  • Equity Lending Mortgage Inc
  • 720 Marlstone Place, Colorado Springs, CO, 80904
  • Equity Lending Mortgage Inc is a mortgage broker based in Colorado Springs dedicated to helping home owners make well informed and strategically smart choices regarding home financing and first time purchasing a home or you have been through the process before, we can guide you through the process
  • Pikes Peak Credit Union
  • 1616 N Circle Dr, Colorado Springs, CO, 80909
  • Pikes Peak Credit Union was Established in 1932. In 2012, we celebrate our 80th Anniversary. We are the oldest credit union in Colorado Springs & the 4th oldest in CO. Our Members are also owners of Pikes peak Credit Union & since credit unions are "not-for-profit", member-owned financial cooperatives, all profits are returned to our membership.
  • Low Cost Mortgage
  • 685 Citadel Dr E, Suite 290-9, Colorado Springs, CO, 80909
  • LCMLoans was created to be the low cost provider of mortgage loans. The owner is a Vet who has a degree in finance and has years of experience in all facets of Real Estate including mortgage lending. SAVE Thousands! Low Interest Rates and NO Lender Fees. You would be hard pressed to find a better deal on a home loan
  • Linq Mortgage LLC
  • 2020 N. Academy Blvd, Suite 282, Colorado Springs, CO, 80909
  • We are committed to delivering you the very best mortgage experience. Our team of loan officers has extensive experience in VA, Conventional, and FHA home loans. we are proud to be approachable, proficient, and be able to provide an extraordinary level of service. Our customers are the most important part of our business.
  • Access Financial Group
  • 1417 Potter Drive, Colorado Springs, CO, 80909
  • Access Financial Group, LLC funds hard money loans on real estate located in the State of Colorado. Our company offers purchase and refinance loans to both owner occupied and investment borrowers, when other lenders say no. We can fund 1st and 2nd real estate loans on single-family homes, commercial properties, and vacant land
  • Air Academy Federal Credit Union
  • PO Box 62910, Colorado Springs, CO, 80962
  • Chartered in 1955, Air Academy Federal Credit Union (AAFCU) was originally created to serve the cadets, officers, and civilians of the newly established United States Air Force Academy at Lowry Air Force Base. As the Air Force Academy grew and evolved, so did our membership. Today, we not only serve all active
  • Equity Edge Realty
  • 121 S Tejon Street, Suite 900, Colorado Springs, CO, 80903
  • Equity Edge Realty is built on a foundation of teamwork & dependability in order to help you achieve your dream of owning Colorado real estate. I am focused on providing a personalized home buying experience as you search for homes for sale in Colorado Springs, Denver & the surrounding areas. To Equity Edge Realty, you will never just be a number.
  • SpotOn Financial
  • 525 North Cascade Avenue, Colorado Springs, CO, 80903
  • SpotOn Financial provides small business financing, working capital loans, business consulting, strategic resources, and access to strategic resources to help a business achieve its goals. We offer cash flow loans, asset based loans, commercial real estate finacing, and investor fix and flip loans.