🌾 USDA Loans in Colorado
USDA Loans in Colorado — Zero Down for Rural Homebuyers
USDA Rural Development loans offer eligible Colorado buyers zero down payment financing in qualifying communities — from Pueblo and Grand Junction to Greeley and the Eastern Plains.
Do I Qualify for a USDA Loan in Colorado?
Down Payment: Zero — no down payment required. This is USDA’s headline benefit.
Credit Score: 640+ recommended for automated approval. Scores below 640 may qualify through manual underwriting.
Income Limits: Household income must be at or below 115% of the area median income for your Colorado county. Limits vary by county and household size.
Property Location: Must be in a USDA-designated rural or eligible suburban area in Colorado. Use our team’s lookup tool or call us to verify your address.
Primary Residence: Must be your primary home — USDA does not finance investment properties or vacation homes.
USDA-Eligible Communities in Colorado
Many Colorado buyers are surprised to learn their community qualifies. Check these areas:
Pueblo County
Pueblo West and many rural Pueblo County communities qualify for USDA zero-down financing.
Mesa County
Grand Junction area communities and Western Slope towns frequently qualify for USDA Rural Development loans.
Weld County
Many Greeley, Evans, and Weld County neighborhoods outside urban areas are USDA-eligible.
Larimer County
Estes Park and outlying Larimer County communities outside Fort Collins city limits often qualify.
Montrose & Delta
Western Slope communities in Montrose and Delta counties are widely USDA-eligible.
Eastern Plains
Colorado’s entire Eastern Plains region — Sterling, Burlington, Lamar, and more — qualifies for USDA loans.
If your property qualifies for USDA, it’s almost always the better choice: no down payment (vs. FHA’s 3.5%), lower annual mortgage insurance (0.35% vs. 0.55%), and no upfront MIP (vs. FHA’s 1.75%). The only catch is geographic eligibility. Ask us to verify your Colorado address today.
Mango Stock Mortgage | NMLS# 2815478 | Colorado Mortgage Company License. USDA loans subject to USDA Rural Development eligibility requirements. Property and income eligibility required. Equal Housing Lender.
Related Colorado Mortgage Resources
- CHFA Loan Colorado — Down Payment Assistance Programs
- Bank Statement Loans Colorado — For Self-Employed Buyers
- DSCR Loans Colorado — Investor Mortgages
- Self-Employed Mortgage Colorado
- Non-QM Loans Colorado — Alternative Mortgage Programs
- First-Time Home Buyer Colorado Guide
- Request a Colorado Rate Quote
- Colorado Home Affordability Calculator
See what you qualify for
Tell us about the property and what you are trying to do. A licensed loan officer will come back to you within one business day with what is actually available — including when the answer is to wait.