If you have been searching for a home loan, but have run into problems qualifying for a traditional loan, the USDA Loan Program may be your answer. Backed the United States Department of Agriculture, these no money down, fixed interest rate loans are helping many of the citizens of Colorado realize their dreams of home ownership.

If you are looking for a simple solution to home ownership, Colorado USDA Home Loans offer:

  • No Money Down and Low Fixed Interest Rates
  • No Maximum Loan Amounts
  • Flexible Credit Guidelines for Qualifying Colorado Residents
  • No Assets Needed to Qualify

Colorado Areas that Qualify for a USDA Loan

Perhaps one of the biggest difficulties faced by the USDA Loan program is the misconception that it has something to do with agriculture. In reality, nothing could be further from the truth. USDA Loans were simply created to help develop some of the nation’s less populated areas. To qualify, your Colorado property must be outside of the city limits and located within a community of less than 20,000 people.

If you have more questions about USDA Loan Eligibility, Consumer Real Estate Finance Co.
is here to answer all your questions.  Our certified loan agents will walk you through the application process and offer advice on USDA Loan eligibility.  For more information, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Colorado’s USDA Loan Income Limits by County

You should be aware that there are certain maximum income limits that help to determine eligibility. In addition to a credit evaluation, your annual salary cannot exceed the limits set for the individual Colorado County.

STATE:COLORADO PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Boulder CO MSA VERY LOW INCOME 33650 38450 43250 48050 51900 55750 59600 63450
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Teller County CO HUD Metro FMR Area VERY LOW INCOME 25450 29050 32700 36300 39250 42150 45050 47950
LOW INCOME 40650 46500 52300 58100 62750 67400 72050 76700
MOD.INC-GUAR.LOAN 83500 83500 83500 83500 110200 110200 110200 110200
Denver-Aurora CO MSA Elbert County CO SEA VERY LOW INCOME 29100 33250 37400 41550 44850 48200 51500 54850
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Gilpin County CO SEA VERY LOW INCOME 28600 32700 36750 40850 44100 47400 50650 53900
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Denver-Aurora-Broomfield CO MSA VERY LOW INCOME 27800 31750 35700 39650 42850 46000 49200 52350
LOW INCOME 44400 50750 57100 63450 68550 73600 78700 83750
MOD.INC-GUAR.LOAN 91200 91200 91200 91200 120400 120400 120400 120400
Fort Collins-Loveland CO MSA VERY LOW INCOME 27200 31100 35000 38850 42000 45100 48200 51300
LOW INCOME 43500 49700 55950 62150 67100 72100 77050 82050
MOD.INC-GUAR.LOAN 89350 89350 89350 89350 117950 117950 117950 117950
Grand Junction CO MSA VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Greeley CO MSA VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 78650 78650 78650 78650 103800 103800 103800 103800
Pueblo CO MSA VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Alamosa County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Archuleta County CO VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 78650 78650 78650 78650 103800 103800 103800 103800
Baca County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Bent County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Chaffee County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Cheyenne County CO VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 78650 78650 78650 78650 103800 103800 103800 103800
Conejos County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Costilla County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Crowley County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Custer County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Delta County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Dolores County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Eagle County CO VERY LOW INCOME 30450 34800 39150 43450 46950 50450 53900 57400
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Fremont County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Garfield County CO VERY LOW INCOME 27300 31200 35100 38950 42100 45200 48300 51450
LOW INCOME 43600 49850 56050 62300 67300 72250 77250 82250
MOD.INC-GUAR.LOAN 89550 89550 89550 89550 118200 118200 118200 118200
Grand County CO VERY LOW INCOME 26600 30400 34200 38000 41050 44100 47150 50200
LOW INCOME 42550 48650 54700 60800 65650 70550 75400 80250
MOD.INC-GUAR.LOAN 87400 87400 87400 87400 115350 115350 115350 115350
Gunnison County CO VERY LOW INCOME 25200 28800 32400 36000 38900 41800 44650 47550
LOW INCOME 40300 46100 51850 57600 62200 66800 71400 76050
MOD.INC-GUAR.LOAN 82800 82800 82800 82800 109300 109300 109300 109300
Hinsdale County CO VERY LOW INCOME 24750 28250 31800 35300 38150 40950 43800 46600
LOW INCOME 39550 45200 50850 56500 61000 65550 70050 74600
MOD.INC-GUAR.LOAN 81200 81200 81200 81200 107200 107200 107200 107200
Huerfano County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Jackson County CO VERY LOW INCOME 21900 25000 28150 31250 33750 36250 38750 41250
LOW INCOME 35000 40000 45000 50000 54000 58000 62000 66000
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Kiowa County CO VERY LOW INCOME 21850 24950 28050 31150 33650 36150 38650 41150
LOW INCOME 34900 39900 44850 49850 53850 57850 61800 65800
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Kit Carson County CO VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
La Plata County CO VERY LOW INCOME 25950 29650 33350 37050 40050 43000 45950 48950
LOW INCOME 41500 47450 53350 59300 64050 68800 73550 78300
MOD.INC-GUAR.LOAN 85250 85250 85250 85250 112550 112550 112550 112550
Lake County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Las Animas County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Lincoln County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Logan County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Mineral County CO VERY LOW INCOME 24050 27450 30900 34300 37050 39800 42550 45300
LOW INCOME 38450 43900 49400 54900 59300 63700 68100 72450
MOD.INC-GUAR.LOAN 78900 78900 78900 78900 104150 104150 104150 104150
Moffat County CO VERY LOW INCOME 23200 26500 29800 33100 35750 38400 41050 43700
LOW INCOME 37050 42350 47650 52950 57200 61400 65650 69900
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Montezuma County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Montrose County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Morgan County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Otero County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Ouray County CO VERY LOW INCOME 25100 28650 32250 35800 38700 41550 44400 47300
LOW INCOME 40100 45850 51550 57300 61900 66450 71050 75650
MOD.INC-GUAR.LOAN 82350 82350 82350 82350 108700 108700 108700 108700
Phillips County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Pitkin County CO VERY LOW INCOME 37050 42350 47650 52900 57150 61400 65600 69850
LOW INCOME 46950 53650 60350 67050 72400 77800 83150 88500
MOD.INC-GUAR.LOAN 96400 96400 96400 96400 127250 127250 127250 127250
Prowers County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Rio Blanco County CO VERY LOW INCOME 24000 27400 30850 34250 37000 39750 42500 45250
LOW INCOME 38350 43850 49300 54800 59200 63550 67950 72350
MOD.INC-GUAR.LOAN 78800 78800 78800 78800 104000 104000 104000 104000
Rio Grande County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Routt County CO VERY LOW INCOME 28450 32500 36550 40600 43850 47100 50350 53600
LOW INCOME 45450 51950 58450 64950 70150 75350 80550 85750
MOD.INC-GUAR.LOAN 93350 93350 93350 93350 123200 123200 123200 123200
Saguache County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
San Juan County CO VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
San Miguel County CO VERY LOW INCOME 30800 35200 39600 43950 47500 51000 54500 58050
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Sedgwick County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Summit County CO VERY LOW INCOME 32250 36850 41450 46050 49750 53450 57150 60800
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Washington County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500
Yuma County CO VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 77650 77650 77650 77650 102500 102500 102500 102500

 

Remember, Consumer Real Estate Finance Co. is here to answer all your questions. For help applying for a Colorado USDA Loan, contact us today.