USDA VS FHA in Rocky-Ford, Otero County, CO

For 2026, the USDA loan cap in Rocky-Ford, located in Otero, CO, is $285,000, while the FHA limit for a single-family home is $356,362.

Lendersa® offers a USDA loan calculator to juxtapose today's USDA and FHA top rates. Determine the needed income, credit, reserves, and documents to qualify. Our advanced mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options, assisting in choosing the best program for your financial needs in .

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Explore 2026 Loan Limits and Downpayment Details in Rocky-Ford, Otero, CO

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Discover USDA and FHA Loan Choices in Rocky-Ford, CO

Lendersa® aims to quickly match you with the best USDA or FHA loan without complications. Start with one of three paths leading to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CO

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan, is available only in rural areas. It contrasts with FHA loans, which need at least a 3.5% down payment, as USDA loans require no down payment.

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



  • Indicate Capital
  • 2828 North Speer Blvd, Suite 210-5, Denver, CO, 80211
  • "Indicate Capital is a private capital lender that focuses on issuing debt on commercial and residential real estate throughout the US. Indicate Capital’s program is based on the theory that the current state of capital markets is keeping savvy investors and business operators from obtaining traditional bank"
  • Market Financial Mortgage
  • 3650 Osage Street, Denver, CO, 80211
  • Jon Lopez is the the founder of the Market Financial Mortgage company is 30 years of lending experience helps navigate the process. Mortgage Bankers are the best source in helping provide the best guidance towards the right financial path and strategy for your needs. My 30 years of lending experience helps navigate the process with compentance
  • Capital Works Mortgage
  • 2079 W. 44th Ave., Denver, CO, 80211
  • Capital Works Mortgage opened its doors as an independent locally owned firm in 2013. In addition, each mortgage professional on the team has more than 10 years of experience in the banking and finance industry. Capital Works offers a full suite of services to meet any of your real estate financing needs with the goal
  • Platte River Mortgage
  • 1643 Boulder St, Suite 102, Denver, CO, 80211
  • Platte River Mortgage & Investments, Inc. was founded in 2005 based on the principal that more favorable model could be developed for structuring mortgage loans and providing a higher level of service. Remaining purposefully small as a boutique mortgage company, we have grown our business through referrals from existing clients
  • Colorado Short Term Funding
  • 2828 North Speer Blvd, Suite 210-5, Denver, CO, 80211
  • Colorado Short Term Funding (COST Fund) is a Colorado-based private capital, hard money lending, and private mortgage lender. We provide loans to private investors looking to aquire residential properties throughout the state of Colorado and the nation. You can be assured you will get the best service, funding, and information for your real estate.
  • ADV Mortgage
  • 12 Rosalie Rd, Bailey, CO, 80421
  • ADV Mortgage was founded by Richie Frangiosa, a 20 year veteran of the mortgage industry.With an underwriting and processing background, we focus on the best possible service to our clients. We are not salespeople, and will never try to be. Our goal is to make the mortgage process as easy and transparent as possible.
  • Citizens State Bank
  • 601 S. Main Street, Hugoton, KS, 67951
  • The Citizens State Bank is a branch office of The Citizens State Bank. They provide the following services: Full Service Office Location and are located at 601 S. Main Street in Hugoton Kansas. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
  • Denver Fire Department Federal Credit Union
  • 12 Lakeside Lane, Denver, CO, 80212
  • Denver Fire Department Federal Credit Union is a not-for-profit, locally owned financial cooperative here to help you achieve your financial goals. The credit union was started by Denver Firefighters for professional firefighters in 1938. Today we still only serve professional firefighters and their immediate family members.
  • Blueprint Mortgage Group LLC
  • 2491 Perry Street, Denver, CO, 80212
  • Blueprint Mortgage Group LLC is a Colorado Limited-Liability Company filed On March 27, 2019. The company's filing status is listed as Good Standing and its File Number is 20191271164. The Registered Agent on file for this company is Blueprint Mortgage Group LLC and is located at 2491 Perry Street, Denver, CO 80212
  • Salt Funding - Hard Money Lender
  • 3700 Tennyson Street, Suite 12070, Denver, CO, 80212
  • Salt Funding is a Denver based Private Money lending company. We pride ourselves on fee transparency and speed in lending. Focus is on single family and multi-family residential non-owner occupied loans. Our typical loan is a 6-12 month term at 10% and 2 points for the first 6 months.