USDA Vs. FHA Pro and Con comparison in Wellington, Larimer County, CO

In 2025, the USDA loan limit for the area of Wellington, located in Larimer county, CO, is $522,100. The FHA ceiling for a single-family home stands at $614,100.

Use the Lendersa® USDA loan calculator to evaluate today’s USDA versus FHA rates. Determine required income, credit profile, reserves, and documentation to qualify. Our advanced mortgage tool compares USDA, FHA, Conforming, and VA options side by side, aiding your selection of the best program in for your financial situation.

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2025 Loan Limits and Down Payment Needs in Wellington, Larimer, CO

Loan Type Loan Limit Down Payment
USDA $522,100 0%
FHA $614,100 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Wellington, CO

The mission of Lendersa® is to quickly connect you with the best possible USDA or FHA loan without hassle. Choose one of the three pathways to find matching lenders and USDA loan programs.

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Understanding USDA Loans in CO

A USDA home loan, insured by the Department of Agriculture, often called the USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



  • THE PING MORTGAGE COMPANY
  • 11545 Park Woods Circle, Suite A, Alpharetta, GA, 30005
  • The Ping Mortgage Company was created out of a need for a better way to finance your real estate transactions. We are a group of mortgage professionals who have broad experience and knowledge in real estate finance. We strive to provide the lowest possible interest rates and fees available in the market, and we have achieved it through hard work
  • EAGLE LENDING CORPORATION
  • 1280 Elk Ridge Cove, Alpharetta, GA, 30005
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Home National Bank OH
  • 502 Elm St., Racine, OH, 45771
  • Home National Bank exists to give our customers the best, most competitive banking experience possible. We do this by offering them the latest & greatest banking products & services in an environment that is friendly, personal. Home National is to see our community thriving in improved quality of life through the financial services that we offer.
  • First Ohio Community Federal Credit Union
  • 8200 Cleveland Avenue NW, North Canton, OH, 44720
  • The credit union was established on November 30, 1937 as the Hoover Employees Federal Credit Union. Thanks to progressive thinking by the Board of Directors, a community charter was obtained in 1980. This new charter opened the field of membership essentially to everyone living or employed in North Canton, Ohio.
  • STATEWIDE MORTGAGE, LLC
  • 316 South Lewis Street, Lagrange, GA, 30241
  • Statewide Mortgage Group is a wholesale mortgage broker licensed in 10 states. The Georgia Branch is focused on the local market, providing the best programs available to facilitate the growth and stabiltiy of our community. Mortgage Group is a wholesale mortgage broker licensed in 10 states.
  • DN Community Federal Credit Union
  • 3964 Fulton Drive NW, Canton, OH, 44718
  • DN Community Federal Credit Union was founded on June 24, 1954 as Diebold Employees Credit Union. The original field of membership included employees of the Canton and Malvern, Ohio plants of Diebold, Inc. and their immediate families. The credit union was organized with the purpose "to provide a convenient place for employees to save regularly
  • Stark Federal Credit Union
  • 4100 Dressler Rd, Nw Canton, OH, 44718
  • In 1960, teachers and administrators at Plain Local Schools wanted an alternative to big, for-profit banks.They got together & opened our credit union on January 16, 1961.There was no online banking, debit cards or even checking accounts.Instead, they operated out of a shoe box. It was a place for some people to save money & others to borrow money.
  • American First Bancorp Inc
  • 4194 Fulton Drive NE, Canton, OH, 44718
  • American First Bancorp, Inc. is the most efficient and honest way to purchase or refinance a home. American First Bancorp, Inc. creates the best solution for borrowers from a huge variety of programs. We operate at the highest level of integrity, deliver on our commitments, which builds a foundation of trust with our customers.
  • Signature Mortgage
  • 4790 Douglas Circle NW, Canton, OH, 44718
  • Since 1996, Signature Mortgage is an INC 500 fastest growing company and we have closed over $4 billion in residential loans – that’s over 20, 000 satisfied families! We have a 5 STAR Rating on social media for delivering world class customer service and communication throughout the mortgage process
  • Madison Chase Capital Advisors LLC
  • 8000 Avalon Blvd, Suite 100, Alpharetta, GA, 30009
  • Our mission is to build generational wealth through home ownership. The MCCA vision is to offer our clients more than just mortgage loan options, but financial advice, innovative solutions and advocacy. We help our clients make real estate decisions and purchases that will bring sustainable wealth for generations to come.
  • Screen Door Mortgage LLC
  • 11770 Haynes Bridge Rd, Suite 205-502, Alpharetta, GA, 30009
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Houzzle Financial Inc
  • 2475 Northwinds Parkway, Suite 525, Alpharetta, GA, 30009
  • Houzzle Financial we know that your home loan mortgage is WAY more than just a loan for a house. It's your home where you will make many memories and raise your family. When you entrust Houzzle Financial with one of the most important purchases in your life, you’ll take advantage of our extensive experience and dedication to you.