For 2025, the USDA loan limit applicable in Wheat-Ridge, located in Jefferson county of CO, amounts to $477,400. In contrast, the FHA loan limit for a single-family home stands at $596,850.
Employ the Lendersa® USDA loan calculator to gauge today's best possible rates between USDA and FHA loans. This tool helps you figure out the income, credit score, reserves, and documentation needed to qualify. Our comprehensive mortgage calculator lets you compare USDA, FHA, Conforming, and VA options simultaneously, assisting you in deciding which plan in
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| Loan Type | Maximum Limit | Required Down Payment |
| USDA | $477,400 | 0% |
| FHA | $596,850 | 3.5% |
| Conventional Conforming | $596,850 | 3% |
The aim of Lendersa® is to swiftly and smoothly provide the ideal USDA or FHA loan for your needs. Choose from three starting approaches to find matching lenders and suitable USDA loan programs.
The USDA home loan, supported by the Government's Department of Agriculture, is also recognized as a USDA rural development loan or mortgage. It is available exclusively in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA loan requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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