USDA VS FHA in Ponderosa-Park, Elbert County, CO

For 2025, the USDA loan limit in Ponderosa-Park, within Elbert county, CO, is $477,400, and for a single-family home, the FHA limit is $596,850.

Utilize the Lendersa® USDA loan calculator to compare the prime USDA and FHA rates today. Determine the required income, credit, reserves, and necessary documentation to qualify. This advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping determine the best program for your unique financial needs in .

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Understanding 2025 Loan Limits and Downpayment Requirements in Ponderosa-Park, Elbert, CO

Loan Type Loan Limit Down Payment
USDA $477,400 0%
FHA $596,850 3.5%
Conventional Conforming $596,850 3%

Exploration of USDA and FHA Loan Options in Ponderosa-Park, CO

The goal of Lendersa® is to swiftly find you the best USDA or FHA loan without difficulty. Begin with one of three starting options that lead to matching lenders and USDA loan programs.

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What Exactly is a USDA Loan in CO?

A USDA home loan, secured through the Department of Agriculture, is also called a USDA rural development loan or mortgage. These loans are exclusive to rural areas and, contrasting with FHA loans that need a minimum 3.5% down payment, USDA loans don’t require any down payment.

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



  • Christine D Burnett
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  • McCoy Federal Credit Union is a full-service financial cooperative, assisting consumers and small business owners with achieving their financial goals since 1954. Unlike banks whose purpose is to create profit for stockholders, our focus is to serve our Members with all of their financial needs.
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