Purchase
USDA Loans
Zero down payment loans for eligible homes in qualifying rural and suburban areas.
What it is
USDA Rural Development loans help buyers in eligible areas buy a home with no down payment. Parts of Northern Colorado outside city centers may qualify.
Who it's great for
- Buyers in eligible rural or suburban areas
- Households within income limits
- Buyers with limited savings
Key features
- Possible $0 down
- Lower mortgage insurance
- Many NoCo areas may qualify
General requirements
- Property in a USDA-eligible area
- Household income within USDA limits
- Primary residence
- Credit and income documentation
General guidelines only. Every loan is subject to credit approval, underwriting and property review. Not a commitment to lend.
Common Questions
Is Wellington or Severance eligible?
Some areas are. Eligibility maps change, so send me an address and I'll check.
Is there an income limit?
Yes, based on household size and county.
Can I buy a farm?
No. USDA home loans are for primary residences, not working farms.
Is there mortgage insurance?
There's an upfront and annual guarantee fee, usually lower than FHA.
Is a USDA Loan Right for You?
Let's talk about your situation. Honest answers, no pressure.
NMLS #172296 | Licensed in Colorado