USDA and FHA Pro and Con in Twin-Lakes, Adams County, CO

In the year 2025, the USDA loan limit in Twin-Lakes, within Adams county, CO is set at $477,400, while the FHA limit for single-family homes is $596,850.

You can use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. This tool helps determine the necessary income, credit score, reserves, and documentation needed for qualification. Our comprehensive mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding you in identifying the best option for your particular financial conditions in .

Discover loan offers from a selection of 100 lenders

2025 Loan Limits and Down Payment Requirements in Twin-Lakes, Adams, CO

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

USDA and FHA Loan Choices in Twin-Lakes, CO

At Lendersa®, our aim is to facilitate your pursuit of the best USDA or FHA loan quickly and effortlessly. Choose from three initial pathways to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in CO

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan offered by the Department of Agriculture, exclusively available in rural areas. Unlike FHA loans, which have a minimum down payment requirement of 3.5%, USDA loans require no down payment at all.

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



  • Hard Money Mike
  • 1101 W Mineral Ave., Suite 101, Littleton, CO, 80120
  • Hard Money Mike offers loans for fix and flips in Colorado and parts of the Midwest. If you have experience in fix and flips, construction, and/or real estate, we can provide: In-house funded loans with an interest rate of 8%. (Loans out of Colorado start at 9%.) Fund up to 90% of purchase and 80% of rehab. Higher loan-to-value loans.
  • Canyon River Mortgage LLC
  • 155 Salina St, Lafayette, CO, 80026
  • We opened the doors of Canyon River Mortgage in November 2006. Experiencing a lack of integrity in the real-estate lending business prompted me to create a company that prides itself on honest and ethical work. Our goal is to close your loan on time and with no surprises. By keeping on top of deadlines and communicating with all parties
  • Star Tech Federal Credit Union
  • 5310 DTC Parkway, Suite H, Greenwood Village, CO, 80111
  • Star Tech FCU serves all employees and residents of Greenwood Village and the Denver Tech Center. STAR TECH FEDERAL CREDIT UNION is a company based out of 5310 Dtc Pkwy Ste H, Greenwood Villa, Colorado, United States. Star Tech FCU offers the best of both worlds - 24/7 access to your money with personalized service!
  • AMG National Trust Bank
  • 6295 Greenwood Plaza Blvd., Greenwood Village, CO, 80111
  • AMG National Trust (AMG) is a privately-held wealth management firm headquartered in Denver, Colorado. With more than 45 years of wealth management expertise, AMG has helped individuals and families, corporate executives, business owners and institutions develop strategies for long-term financial success.
  • LenderCity
  • 7887 East Belleview Ave, Suite 1100, Denver, CO, 80111
  • LenderCity was founded with the consumer in mind. Our technology puts you in control of much of the process which means you get lower rates and reduced closing costs. Each rate quote goes through our pricing engine resulting in real-time rate and closing cost data. We then discount the rates even more to deliver true value to our customers.
  • NBH Bank
  • 7800 E Orchard Rd, Greenwood Village, CO, 80111
  • NBH Bank provides clients with a full range of financial products and services throughout Colorado, Kansas, Missouri and Texas. With over 1, 100 associates and more than 100 convenient Banking center locations and ATMs, we focus on consumer, small business and commercial Banking relationships.
  • The Dooley Team
  • 7935 E Prentice Ave, Greenwood Village, CO, 80111
  • Glenn credits his partner Brad Wyatt for building the Dooley Team and surrounding Glenn with outstanding people so clients receive an exceptional customer experience. From embracing technology to not forgetting what a firm hand shake means, Glenn and his team are able to help borrowers of all ages achieve their dreams of homeownership.
  • Community Banks of Colorado
  • 7800 E Orchard Rd, Suite 300, Greenwood Village, CO, 80111
  • Community Banks of Colorado is a division of NBH Bank. We serve clients throughout Colorado by providing a comprehensive portfolio of products and services to meet the needs of commercial, consumer and small business clients. As we grow, our goal is to continue to deliver a superior level of service that reflects our commitment to our clients,
  • Mortgage Lender
  • 5675 DTC Blvd, Suite 250A, Greenwood Village, CO, 80111
  • Stacey Dowling is a Senior Mortgage Originator with 20+ years of experience and thousands of happy clients. Stacey believes that doing the job right means being a lender you can trust who's experience and compassionate approach will carefully guide you through the process.
  • Zenith Financial & Insurance Solutions
  • 7400 E Crestline Circle, Suite 200, Greenwood Village, CO, 80111
  • The focus of Zenith is not to become the biggest mortgage company where people become interchangeable cogs in the machine, but to build the best mortgage company for employees, clients and customers. With a strong belief in the American dream of homeownership, Zenith provides the necessary resources and tools to make purchasing a home an exciting.