Colorado USDA Mortgage Loans (RD)

USDA zero down mortgage

USDA guaranteed loans are zero down mortgages for low to moderate income households who are either refinancing or purchasing a home within the allowed rural locations in Colorado. USDA mortgages are 100% financing. No down payment is required although closing costs still exist. For the most part, as long the property is not located in a major metro area, there is a good chance that it will qualify for a USDA mortgage. Please reach out to us if you have further questions or would like to get pre-approved.


• For Properties Located in Rural Colorado

100% Financing(Zero Down Payment)

• Purchase & Refinance

• 30/15 Year Fixed Loans

• Very Aggressive Interest Rates / Better than conventional in most cases

• Discounted monthly/upfront mortgage insurance compared to FHA/Conventional

• Flexible Underwriting/Easy Credit Score Requirements(580+)

• Ability to Purchase Home with Acreage


USDA financing is a great program for Colorado residents because we have lot’s of open land and rural areas in our State. The USDA loan will allow home buyers to purchase/refinance a home with zero down and offers very competitive interest rates and minimal monthly mortgage insurance. USDA is considered by most mortgage professionals to be a superior loan program when compared to FHA financing. This is truly a great program for low and moderate income borrowers.

The map below shows eligible USDA areas in Colorado. Pretty much the entire State is eligible outside of the Denver Metro Area, Colorado Springs, Pueblo, Fort Collins, & Grand Junction. Areas in tan color are not eligible. Click to zoom on the map.


Colorado USDA guaranteed map

Click to Zoom. Tan Areas Not Eligible

Why use us as your USDA Lender

Extremely competitive low rates
Low or in some cases no lender fees
Close in less than 30 days
Local Denver based mortgage company familiar with Colorado guidelines



Colorado USDA Income Limits / Income based on County


1-4 Person


5+ person Household
Boulder $103,250 $136,400
Elbert $103,350 $136,400
Arapahoe $103,350 $136,400
Adams $103,350 $136,400
Weld $94,100 $124,200
El Paso/Colorado Springs $89,250 $117,950
Teller $92,800 $122,500
Denver Metro $103,250 $136,400
Gilpin/Summit $103,250 $136,400
Fort Collins/Larimer $97,900 $129,250
Grand Junction $86,250 $112,850
Greeley City $94,100 $124,200
Pueblo $86250 $113,850







Kit Carson/Lake/Las Animas/




Prowers/Rio Grande/

Rio Grande/Saguache/San



$86,250 $113,850
Eagle $102,950 $135,900
Grand/Hinsdale $89,700 $118,400
La Plata $90,200 $119,200
Ouray $91,200 $120,400
Pitkin $116,250 $153,600
Rio Blanco $90,650 $119,650
Park $103,350 $136,400
Routt $99,700 $131,600
Garfield $89,550 $118,200
San Miguel $101,050 $133,400

Helpful Links & Tools

Find out if a property is eligible for USDA Financing here. Plug in any address to find out if the property is eligible for USDA financing.


Income Limits PDF Map

USDA Income Limits USDA Website – Find out if your income qualifies for USDA **NOTE** Please use the MODERATE income when reviewing the income limits. Keep in mind that the income limits are based on household income so if your spouse isn’t going on the loan but has a job or another income source, his/her income must be included in the maximum income calculation. Per chart above, Colorado income limits will change depending on the County the property is located in. Please contact us if you have further questions.


USDA Colorado Website – General USDA information for Colorado residents.
Information for Colorado residents regarding USDA Housing

Free Property Search – no need to register / connected directly to the MLS 

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