USDA Vs. FHA Pro and Con comparison in Thornton, Adams County, CO

For 2025, the USDA loan cap in Thornton, situated in Adams county, CO, is $547,400. Meanwhile, the FHA ceiling for a single-family residence is $787,750.

Use the Lendersa® USDA loan calculator to examine and compare today's prime USDA versus FHA rates, determining the necessary income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the ideal program for your financial situation in Alabama.

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2025 Loan Limits and Down Payment Guidelines in Thornton, Adams County, CO

Loan Type Loan Limit Down Payment
USDA $547,400 0%
FHA $787,750 3.5%
Conventional Conforming $787,750 3%

USDA and FHA Loan Alternatives in Thornton, CO

The mission of Lendersa® is to secure the finest USDA or FHA loan efficiently and seamlessly. Choose from three initial starts to effectively match with lenders and USDA loan options.

Lendersa USDA loan request and matching outcomes

What is a USDA Loan in CO?

A USDA home loan, also referred to as a rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • The First Bank of Alabama
  • 120 East North Street, Talladega, AL, 35160
  • Founded in 1848, FNB is the oldest continuously operating bank in the state of Alabama. We are proud to be a member bank of the FDIC and an Equal Housing Lender. Our focus is on the Talladega, Lincoln and Munford communities in North Talladega county as well as the surrounding areas. We are a full service bank catering to both consumer
  • Sycamore Federal Credit Union
  • 18070 AL-21, Talladega, AL, 35160
  • We started out in 1945, in a 748 sq. ft. building in the mill village of Sycamore and have expanded to now (2022) a 4,922 sq. ft. building that we own in Sycamore right off of Alabama Highway 21. This growth has been obtained because of management and because our employees treat members like family, not as numbers.
  • Goldstar Mortgage Inc
  • 1557 Chesnut Bypass, Centre, AL, 35960
  • Goldstar Mortgage Inc. is located in beautiful Centre, Alabama. Our goal is to provide you with exceptional customer service, lowest rates, and minimal closing cost. Since 1995, Goldstar Mortgage has helped thousand of clients across the State of Alabama purchase their dream home, refinance to lower their payment
  • Northstar Bank
  • 1100 East Caro Road, Caro, MI, 48723
  • Northstar Bank is a locally owned and operated bank and proud to be a top-producing lender by Independent Banker®! Let Northstar Bank, one of the most responsive, relationship-based banks in Michigan, partner with you. Our commitment to superior service and local decision making will ensure an excellent banking venture for you.
  • Mayville State Bank
  • 37 E. Ohmer Rd., Mayville, MI, 48744
  • Mayville State Bank has seen quite a bit of history since opening its doors: two great wars, the Great Depression and President Roosevelt’s famous four-day bank holiday (during which Mayville State Bank remained open), political and social turmoil and on through to the age of technology we live in today.
  • Safeway Lending, LLC
  • 29777 Telegraph Road, Southfield, MI, 48034
  • Here at SafeWay we live by, every client every time, and we always make sure to offer the smartest mortgage solution from refinancing to purchasing your dream home. Our mission is to walk each client through the mortgage process and make sure we educate the client throughout the process of obtaining a new mortgage solution.
  • Next Door Lending
  • 27692 Franklin Rd, Southfield, MI, 48034
  • A team of professionals that believe everyone should be treated as if they lived next door. Our founders and team members have more than 150 years of combined experience helping clients all over the country choose the best loan program to help accomplish their goals. We leverage each client’s feedback as our entire team works.
  • 1st Nations Reverse Mortgage
  • 29777 Telegraph Road, Suite 3580, Southfield, MI, 48034
  • Our mission is to create awareness and a better understanding of reverse mortgages throughout the senior adult community as well as within the professional community. Our goal is to educate people completely, accurately, and honestly about the pros and cons of reverse mortgages. We hope to make a difference in the lives of many senior Americans.
  • MiMutual Mortgage, Wholesale
  • 300 Galleria Officentre, Suite 500, Southfield, MI, 48034
  • At MiMutual Mortgage, the reason we exist centers on this simple phrase - Great People, Building a Great Company, Serving our Communities. We believe that purchasing a home is one of life's most monumental events. It is more than a transaction - it is a life-changing investment. Our clients deserve the care
  • Extreme Loans
  • 29444 Northwestern Hwy, Southfield, MI, 48034
  • Extreme Loans (powered by First Savings Bank NMLS# 41131) is an EXTREMELY AWESOME mortgage branch that is here to help with any/all residential mortgage buying or refinancing needs. We lend nationwide so check us out online www.extremeloans.com or contact us #844CloseFast (844-256-7332)
  • United Mortgage Lending
  • 300 Galleria Officentre, Suite 101, Southfield, MI, 48034
  • United Mortgage Lending is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.
  • UIF Corporation
  • 29777 Telegraph Road, Suite 3590, Southfield, MI, 48034
  • In business since 2003, UIF Corporation offers home and commercial financing products and services that allow our customers to remain true to their faith. Our goal is simple; to serve the financial needs of the American Muslim community. UIF is always striving to provide more faith based products in order to be your single point.