USDA loans in Colorado
My state-specific information
Eligibility Requirements – Colorado
House-hunting? Your new Colorado home could be right around the corner with a USDA loan. For Colorado residents, the average income limit for a family of 1-4 is $130,250, and for a family of 5 or more the limit can be as high as $201,900. To find out more about eligibility and to get started on your new USDA loan, just fill out the form below to get in touch with one of our USDA loan specialists.
The map below shows the areas of Colorado eligible for USDA loans. For more info, check out the USDA property eligibility screen.
Colorado USDA Income Limits (Moderate Income – Guaranteed Loan)
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 |
USDA income limits in Colorado are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
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
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
Because income limits vary between metro and mountain counties in Colorado, we recommend completing a quick USDA prequalification so we can confirm your exact eligibility.
- NO down payment – Finance 100% of your home
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Colorado USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Colorado
