USDA Vs. FHA Pro and Con comparison in Penrose, Fremont County, CO
For 2026, the USDA loan limit in Penrose, within Fremont county, CO, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to efficiently compare today's best USDA and FHA rates. Discover the income, credit, reserves, and paperwork required for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in determining which program in best suits your financial situation.
2026 Loan Limits and Downpayment Details in Penrose, Fremont, CO
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Penrose, CO
The goal of Lendersa® is to quickly secure you the best USDA or FHA loan without complications. Start with one of three selective paths to connect with appropriate lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is specifically for rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans do not require any down payment.
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