USDA VS FHA in Vail, Eagle County, CO

In 2026, the USDA loan limit in Vail, located in Eagle County, CO, is $690,000, while the FHA limit for a single-family home is $1,075,250.

With the Lendersa® USDA loan calculator, you can compare today's premier USDA and FHA rates. This tool helps ascertain the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, aiding you in selecting the best program for your financial situation in Alabama.

Explore offers from 100 different lenders

2026 Loan Limits and Down Payment Requirements in Vail, Eagle, CO

Loan Type Loan Limit Down Payment
USDA $690,000 0%
FHA $1,075,250 3.5%
Conventional Conforming $1,075,250 3%

Options for USDA and FHA Loans in Vail, CO

Lendersa® is committed to securing the best USDA or FHA loans efficiently and quickly. Choose from three initial pathways that connect you with matching lenders and their USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CO

A USDA home loan, supported by the U.S. Department of Agriculture, is also known as a USDA rural development loan or mortgage. Available solely in rural neighborhoods, it differs from FHA loans by requiring no down payment, in contrast to FHA's minimum of 3.5%.

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



  • 5280 Loans Inc
  • 1120 West 122nd Avenue, Suite 106, Westminster, CO, 80234
  • The mortgage world is constantly evolving and we will help you navigate these uncharted waters. We have a commitment to tailor the best mortgage to meet your objectives and pride ourselves on honesty, transparency, and flawless execution. We are the Mile High City’s Low Cost Lender. Let us start helping you today.
  • Peak Mortgage Solutions
  • 11609 Shoshone Way, Westminster, CO, 80234
  • At Peak Mortgage Solutions, where we specialize in residential mortgages. At Peak Mortgage Solutions, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Gunnison Savings and Loan Association
  • 303 North Main St, Gunnison, CO, 81230
  • The idea for the local Savings and Loan Cooperative was first conceived by H.W. Endner, who served on its first finance committee in 1911 at the age of 29. Early records indicate that the books and accounts for the firm were originally kept at Endner's business office. The first Board of Directors was composed of C.W. Winslow, E.M. Collins.
  • Gunnison Bank and Trust Company
  • 232 W Tomichi Ave, Gunnison, CO, 81230
  • The Gunnison Bank and Trust Company was issued its Charter from the State of Colorado in 1910. Over the last 100 years, the bank has continually evolved to serve the ever changing financial needs of the Gunnison Valley. The bank now serves the valley with two branches, The Gunnison Bank and The Crested Butte Bank.
  • Young Americans Bank
  • 3550 East First Avenue, Denver, CO, 80206
  • Young Americans Center for Financial Education is a unique organization located in Denver, Colorado. We operate both a non-profit 501(c)3 organization and a for-profit entity. While both entities share a common mission, the finances and operations of the two are completely separate
  • mhm lending, llc
  • 44 Cook Street, Suite 300A, Denver, CO, 80206
  • mhm lending is Colorado’s premier lending partner offering curated mortgage solutions to help you achieve your financial goals. With deeper home loan expertise and unmatched service, mhm lending provides a remarkable home loan experience designed specifically for you. We are committed to providing customized mortgage products
  • Ian Buchanan - The Home Loan Expert
  • 201 Columbine Street, Suite 300, Denver, CO, 80206
  • Having the entire mortgage loan process contained under one roof allows us to quickly & efficiently close your loan- in as little as 14-days. Using the newest mortgage & home loan products and underwriting our own files allows us to approve loans & get mortgage rates that other lenders can’t. The Home Loan Expert works hard to make it easy on you!
  • Denver Lending
  • 100 Garfield St, Suite 320, Denver, CO, 80206
  • Denver Lending is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity We get calls every day asking what our rate is, but a competitive rate is only part of what a home buyer should be concerned with. The overall financial health, which includes an educated and holistic approach.
  • Columbine Mortgage LLC
  • 44 Cook Street, Suite 700, Denver, CO, 80206
  • Our mission at Columbine Mortgage is to help guide our clients and business partners through the mortgage lending process — consistently providing insightful advice and maintaining the highest standards of professional service to build enduring relationships and Our approach to the mortgage business is informed by years of experience.
  • BoardRE Inc
  • 2401 E 2nd Ave, Suite 300, Denver, CO, 80206
  • Accept.inc, the first iLender, is technology-enabled lender that empowers buyers who qualify for a mortgage to submit all-cash offers on homes at no additional cost. Accept.inc’s mission is to empower a cash offer on every home, leveling the playing field. Accept.inc sets itself apart with a frictionless customer experience
  • PB Funding Inc
  • 44 Cook Street, Suite 100, Denver, CO, 80206
  • The PB Funding Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.