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 USDA eligibility. In addition to a credit evaluation, your annual salary cannot exceed the limits set for the individual Colorado County.

Quick Scroll
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 38050 43450 48900 54300 58650 63000 67350 71700
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Colorado Springs, CO HUD Metro FMR Area
VERY LOW INCOME 27200 31100 35000 38850 42000 45100 48200 51300
Apply Now LOW INCOME 43500 49700 55950 62150 67100 72100 77050 82050
MOD.INC-GUAR.LOAN 89350 89350 89350 89350 117950 117950 117950 117950
Teller County, CO HUD Metro FMR Area
VERY LOW INCOME 28250 32300 36350 40350 43600 46850 50050 53300
Apply Now LOW INCOME 45200 51650 58100 64550 69700 74900 80050 85200
MOD.INC-GUAR.LOAN 92800 92800 92800 92800 122500 122500 122500 122500
Elbert County, CO SEA
VERY LOW INCOME 31500 36000 40500 44950 48550 52150 55750 59350
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Gilpin County, CO SEA
VERY LOW INCOME 31500 36000 40500 44950 48550 52150 55750 59350
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Denver-Aurora-Lakewood, CO MSA
VERY LOW INCOME 31500 36000 40500 44950 48550 52150 55750 59350
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Fort Collins, CO MSA
VERY LOW INCOME 29800 34050 38300 42550 46000 49400 52800 56200
Apply Now LOW INCOME 47650 54500 61300 68100 73550 79000 84450 89900
MOD.INC-GUAR.LOAN 97900 97900 97900 97900 129250 129250 129250 129250
Grand Junction, CO MSA
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Greeley, CO MSA
VERY LOW INCOME 28650 32750 36850 40900 44200 47450 50750 54000
Apply Now LOW INCOME 45800 52350 58900 65450 70700 75900 81150 86400
MOD.INC-GUAR.LOAN 94100 94100 94100 94100 124200 124200 124200 124200
Pueblo, CO MSA
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Alamosa County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Archuleta County, CO
VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
Apply Now LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Baca County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Bent County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Chaffee County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Cheyenne County, CO
VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
Apply Now LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Conejos County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Costilla County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Crowley County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Custer County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Delta County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Dolores County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Eagle County, CO
VERY LOW INCOME 31350 35800 40300 44750 48350 51950 55500 59100
Apply Now LOW INCOME 50100 57300 64450 71600 77350 83050 88800 94500
MOD.INC-GUAR.LOAN 102950 102950 102950 102950 135900 135900 135900 135900
Fremont County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Garfield County, CO
VERY LOW INCOME 27300 31200 35100 38950 42100 45200 48300 51450
Apply Now 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 27300 31200 35100 39000 42150 45250 48400 51500
Apply Now LOW INCOME 43700 49900 56150 62400 67400 72400 77400 82350
MOD.INC-GUAR.LOAN 89700 89700 89700 89700 118400 118400 118400 118400
Gunnison County, CO
VERY LOW INCOME 25200 28800 32400 36000 38900 41800 44650 47550
Apply Now LOW INCOME 40300 46100 51850 57600 62200 66800 71400 76050
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Hinsdale County, CO
VERY LOW INCOME 27300 31200 35100 39000 42150 45250 48400 51500
Apply Now LOW INCOME 43700 49900 56150 62400 67400 72400 77400 82350
MOD.INC-GUAR.LOAN 89700 89700 89700 89700 118400 118400 118400 118400
Huerfano County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Jackson County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Kiowa County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Kit Carson County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
La Plata County, CO
VERY LOW INCOME 27500 31400 35350 39250 42400 45550 48700 51850
Apply Now LOW INCOME 43950 50250 56500 62800 67800 72850 77850 82900
MOD.INC-GUAR.LOAN 90300 90300 90300 90300 119200 119200 119200 119200
Lake County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Las Animas County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Lincoln County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Logan County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Mineral County, CO
VERY LOW INCOME 25800 29500 33200 36850 39800 42750 45700 48650
Apply Now LOW INCOME 41250 47150 53050 58950 63650 68400 73100 77800
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Moffat County, CO
VERY LOW INCOME 24750 28300 31850 35350 38200 41050 43850 46700
Apply Now LOW INCOME 39600 45250 50900 56550 61050 65600 70100 74650
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Montezuma County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Montrose County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Morgan County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Otero County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Ouray County, CO
VERY LOW INCOME 27800 31750 35700 39650 42850 46000 49200 52350
Apply Now LOW INCOME 44400 50750 57100 63450 68550 73600 78700 83750
MOD.INC-GUAR.LOAN 91200 91200 91200 91200 120400 120400 120400 120400
Phillips County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Pitkin County, CO
VERY LOW INCOME 37800 43200 48600 53950 58300 62600 66900 71250
Apply Now LOW INCOME 56650 64750 72850 80950 87450 93900 100400 106850
MOD.INC-GUAR.LOAN 116350 116350 116350 116350 153600 153600 153600 153600
Prowers County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Rio Blanco County, CO
VERY LOW INCOME 27600 31550 35500 39400 42600 45750 48900 52050
Apply Now LOW INCOME 44150 50450 56750 63050 68100 73150 78200 83250
MOD.INC-GUAR.LOAN 90650 90650 90650 90650 119650 119650 119650 119650
Rio Grande County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Routt County, CO
VERY LOW INCOME 30350 34700 39050 43350 46850 50300 53800 57250
Apply Now LOW INCOME 48550 55500 62400 69350 74900 80450 86000 91550
MOD.INC-GUAR.LOAN 99700 99700 99700 99700 131600 131600 131600 131600
Saguache County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
San Juan County, CO
VERY LOW INCOME 24900 28450 32000 35550 38400 41250 44100 46950
Apply Now LOW INCOME 39850 45500 51200 56900 61450 66000 70550 75100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
San Miguel County, CO
VERY LOW INCOME 30800 35200 39600 43950 47500 51000 54500 58050
Apply Now LOW INCOME 49200 56250 63250 70300 75900 81550 87150 92800
MOD.INC-GUAR.LOAN 101050 101050 101050 101050 133400 133400 133400 133400
Sedgwick County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Summit County, CO
VERY LOW INCOME 32250 36850 41450 46050 49750 53450 57150 60800
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Washington County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Yuma County, CO
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850

 

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