USDA Rural Home Loans
Zero down payment for eligible rural and suburban properties. More Colorado communities qualify than most buyers realize — and our team checks eligibility instantly.
USDA Rural Home Loans
The USDA Rural Development Guaranteed Housing Loan Program enables eligible buyers to purchase homes in rural and suburban areas with no down payment. Despite the name, many suburban communities — including areas within 30–60 minutes of Denver — fall within USDA-eligible zones. Our team will check any property address immediately so you never miss an opportunity.
Key Requirements
Benefits
- ✓Zero down payment — Purchase with no down payment in eligible areas — one of only two loan programs with this feature.
- ✓Low mortgage insurance — USDA annual MIP is significantly cheaper than FHA, reducing your monthly payment.
- ✓Competitive interest rates — USDA rates are typically competitive with conventional rates despite the zero-down benefit.
- ✓Flexible credit guidelines — More lenient DTI ratios and credit requirements than conventional financing.
- ✓Streamline refinance available — Existing USDA borrowers can refinance with minimal paperwork when rates drop.
Is My Area Eligible?
USDA eligibility is based on property location, not your address. Many suburban Colorado communities qualify — parts of Weld County, El Paso County, Jefferson County, and much of the Western Slope frequently have eligible properties. Our team runs an immediate eligibility check for any property you're considering, at no cost.
Income Limits Explained
USDA targets moderate-income households with limits set at 115% of area median income, varying by county and household size. In many Colorado counties, a family of four can earn $100,000–$120,000 and still qualify. Our team will calculate your eligibility based on your specific household income and size — and flag any deductions that might improve your qualifying picture.
Frequently Asked Questions
The easiest way is to contact our team — we'll check any address within minutes. Roughly 97% of U.S. land mass is USDA-eligible, which includes many suburban neighborhoods outside major Colorado cities.
It varies by county and household size. In most Colorado counties, the standard limit for a 1–4 person household is $122,800. Our team will verify your specific county limit.
USDA loans can finance certain manufactured homes that meet specific requirements and are on permanent foundations. Call our team for guidance on specific property types.
Yes. USDA offers a Streamlined-Assist Refinance for existing USDA borrowers to lower their rate with minimal paperwork, no appraisal, and no income verification in most cases.
From application to closing
Apply Online
Complete our secure 5-minute digital application at no cost or obligation.
Team Review
Our team analyzes your situation and recommends the ideal program, term, and rate strategy.
Pre-Approval
Receive a credible pre-approval letter — often within 24 hours — that makes your offer stand out.
Close & Move In
We guide you to the closing table in 21–30 days with zero surprises. Then celebrate.
Zero down. No PMI. Colorado eligible.
Our team will check your target property and income eligibility today — for free. More Colorado communities qualify than you might expect.