Colorado USDA Loans
Buy a home in eligible rural and suburban areas of Colorado with $0 down if you qualify.
Standard 1–4 Person Income Limit
Highest 5+ Person Income Limit
Financing Available
USDA Home Loans in Colorado
House-hunting in Colorado? Your new home could be closer than you think. A USDA home loan can help eligible buyers purchase a home in qualifying rural and suburban communities with no down payment required.
For many Colorado households, the standard USDA income limit for a family of 1–4 is $130,250. In higher-cost areas, especially along the Front Range and in mountain counties, income limits may be higher, with 5+ person household limits reaching up to $201,900.
USDA loans are designed to make homeownership more affordable for qualified buyers purchasing eligible properties outside major urban centers.
Colorado USDA Eligibility Map
The map below shows areas of Colorado that may be eligible for USDA loans. Many qualifying areas are located outside Denver, Boulder, Colorado Springs, Fort Collins, and other major city centers.
Check a property address →
USDA Eligibility Can Change by County, Metro Area, and Household Size
Colorado has a mix of standard USDA income-limit areas and higher-limit areas. Front Range metros, resort communities, and mountain counties may have different limits than other parts of the state. A quick prequalification helps confirm the right income limit for your exact situation.
How the Colorado USDA Loan Process Works
A simple path to homeownership with $0 down financing.
Check Your Eligibility
Answer a few quick questions to see if a USDA loan may be a fit.
Review Income Limits
We compare your total household income to the correct Colorado USDA income limit.
Confirm Property Area
We help confirm whether the home is located in a USDA-eligible area.
Popular Colorado USDA Loan Areas
USDA eligibility depends on the property location. These Colorado areas are commonly reviewed by buyers looking outside major city centers.
Colorado USDA Income Limits
Most areas of Colorado follow the standard USDA income limit. Higher-cost Front Range and mountain counties have increased limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Colorado Limit (Most Counties & MSAs) | $130,250 | $171,950 |
| Greeley, CO MSA | $131,700 | $173,850 |
| La Plata County, CO | $135,150 | $178,400 |
| San Miguel County, CO | $137,450 | $181,450 |
| Fort Collins–Loveland, CO MSA | $146,750 | $193,750 |
| Boulder, CO MSA | $149,800 | $197,750 |
| Denver–Aurora–Centennial, CO MSA | $149,800 | $197,750 |
| Eagle County, CO | $149,800 | $197,750 |
| Pitkin County, CO | $149,800 | $197,750 |
| Routt County, CO | $149,500 | $197,350 |
| Summit County, CO | $152,950 | $201,900 |
Colorado USDA Loan Features
Flexible financing designed to make homeownership more affordable.
Buy With $0 Down
USDA financing may allow eligible Colorado buyers to finance 100% of the home purchase.
Flexible Credit Guidelines
Credit options may be available for buyers who meet USDA and lender requirements.
30-Year Fixed Terms
Enjoy competitive fixed interest rates so payments do not increase due to rate changes.
Rural & Suburban Areas
Many eligible areas are located outside major city centers throughout Colorado.
No Assets Needed
USDA loans may not require large savings or reserves to qualify.
Check Your Colorado USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Colorado. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Review county or metro income limits for your household size
- Provide a fast payment estimate and next steps
Colorado USDA Loan Questions
Helpful answers before you start your USDA loan review.
Can I buy a home in Colorado with no down payment?
Yes. Eligible buyers may be able to finance 100% of the purchase price through a USDA Guaranteed loan, which means no down payment is required if you qualify.
What areas of Colorado are eligible for USDA loans?
USDA loans are available in eligible rural and suburban areas. Many areas outside major city centers may qualify, but the exact property address must be checked through USDA property eligibility guidelines.
Do Denver-area homes qualify for USDA financing?
Some outer suburban or nearby rural communities around the Denver metro may be eligible, but properties inside dense urban areas typically do not qualify. We can help check the exact address.
Are Colorado USDA income limits the same statewide?
No. Colorado USDA income limits vary by county and metro area. Higher-cost Front Range and mountain counties may have increased limits.
Is household income or borrower income used for USDA eligibility?
USDA income eligibility is based on total household income, including income from adult household members, not just the borrower listed on the loan.
Can I use a Colorado USDA loan for a mountain property?
Possibly. The property must be in a USDA-eligible area and meet USDA property requirements. Some Colorado mountain counties also have higher income limits due to higher housing costs.
Can USDA loans be used for existing homes in Colorado?
Yes. USDA loans may be used for eligible new or existing homes, as long as the property meets USDA location and condition requirements.
How do I start a Colorado USDA loan prequalification?
You can start by completing a quick prequalification request. A USDA loan specialist can review your income, household size, credit profile, property location, and available loan options.
Ready to See If You Qualify for a Colorado USDA Loan?
Start your Colorado USDA home loan review today. A USDA loan specialist will contact you with your options.
