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

For 2025, 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 2025 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?



  • Simplified Home Mortgage Corp
  • 423 East Eighth St., Traverse City, MI, 49686
  • Simplified Home Mortgage is a family owned and operated business in Northern Michigan. We are a full service Mortgage Broker offering FHA, VA, RD and Conforming loan products to the State of Michigan. Established in 2015. Norm and his wife Lisa run their residential mortgage company in their office located at 423 E Eight St. Traverse City, Mi.
  • TBA Credit Union
  • 630 East Front Street, Traverse City, MI, 49686
  • TBA Credit Union is a locally managed community credit union in Traverse City, Michigan, offering financial solutions to anyone living in the state of Michigan. For over 50 years, TBA Credit Union has served the community and is dedicated to offering you a comprehensive selection of checking, savings, lending and investment services.
  • Abbey Credit Union
  • 800 Falls Creek Drive, Vandalia, OH, 45377
  • Abbey Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937, our members have experienced the meaning of belonging to a financial institution that cares about its community.Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937
  • Franklin Mortgage Solutions
  • 10 Fairway Dr, Springboro, OH, 45066
  • Headquartered in Springboro, Ohio, Franklin Mortgage Solutions specializes in mortgage refinance and home loans throughout the states of Alabama, Arkansas, Florida, Kentucky, Ohio, South Carolina, & Tennessee. Franklin Mortgage Solutions is a local mortgage broker offering a wide variety of home loan programs.
  • Kentwood Mortgage, Inc.
  • 610 N. Main Street, Springboro, OH, 45066
  • Kentwood Mortgage, Inc our Goal is people's dreams come true and that makes us very proud. We're proud each time we lend someone the money they need, especially if they've been turned away by another lender. We're proud knowing that our Home Equity loans have allowed a child to go to college or a beloved home to be improved.
  • Centerbank
  • 744 State Route 28, Milford, OH, 45150
  • CenterBank, founded in 2000, was built upon an old concept; community banking. We know our customers on a first name basis, keep an open-door policy, and work hard to find common sense solutions for customers. Our product set and customer niche are delimited to foster expertise necessary to deliver best in class service and manage
  • RiverHills Bank
  • 553 Chamber Dr, Milford, OH, 45150
  • RiverHills Bank, formerly New Richmond National Bank, has been serving people just like you and your family in Clermont County for over a century.Investing in the lives of friends and neighbors and keeping your locally earned dollars actively at work in our communities, RiverHills Bank is proud to serve as your community Bank.
  • Christian Family Credit Union
  • 410 Chamber Drive, Milford, OH, 45150
  • When you bank with Christian Family Credit Union you make an investment in kingdom building. The money you have on deposit with us, we use to lend to other Christian families.When you bank with Christian Family Credit Union you make an investment in kingdom building. The money you have on deposit with us, we use to lend to other Christian families.
  • Elite Mortgage Lender
  • 4345 Pioneer Rd, Medford, OR, 97501
  • At Elite Mortgage Lender, Mortgage Specialist in Ashland & Medford, OR, & Denver CO. There seemed to be a real need in the mortgage industry for brokers who genuinely wanted to help people. The mortgage process can be intimidating and even overwhelming for many. The language can seem foreign. I could see a real need for someone
  • Rogue Credit Union
  • 1370 Center Dr, Medford, OR, 97501
  • Beginning in 1956, a group of ten local teachers gathered together to form a credit union designed to serve their member-owners and their community. Today, Rogue Credit Union has grown to a financial cooperative with branches in Coos, Curry, Jackson, Josephine, Douglas and Klamath Counties. Today, we serve over 150, 000 members