USDA LOAN BENEFITS IN COLORADO
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
USDA LOAN ELIGIBILITY IN COLORADO
Many areas in Colorado will qualify for a USDA Loan. Major cities such as Denver and Colorado Springs will not be eligible due to their size for a USDA Loan, but Colorado has many cities that will meet the population requirement. If you have a 620 credit score and meet the income guidelines below, apply not for a USDA Loan in Colorado.
To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in .
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Adams | $96,450 | $127,300 |
| Alamosa | $81,350 | $107,400 |
| Arapahoe | $96,450 | $127,300 |
| Archuleta | $81,350 | $107,400 |
| Baca | $81,350 | $107,400 |
| Bent | $81,350 | $107,400 |
| Boulder | $97,750 | $129,050 |
| Broomfield | $96,450 | $127,300 |
| Chaffee | $81,350 | $107,400 |
| Cheyenne | $81,350 | $107,400 |
| Clear Creek | $96,450 | $127,300 |
| Conejos | $81,350 | $107,400 |
| Costilla | $81,350 | $107,400 |
| Crowley | $81,350 | $107,400 |
| Custer | $81,350 | $107,400 |
| Delta | $81,350 | $107,400 |
| Denver | $96,450 | $127,300 |
| Dolores | $81,350 | $107,400 |
| Douglas | $96,450 | $127,300 |
| Eagle | $81,350 | $107,400 |
| El Paso | $84,650 | $111,750 |
| Elbert | $96,450 | $127,300 |
| Fremont | $81,350 | $107,400 |
| Garfield | $89,550 | $118,200 |
| Gilpin | $96,450 | $127,300 |
| Grand | $89,700 | $118,400 |
| Gunnison | $82,800 | $109,300 |
| Hinsdale | $89,700 | $118,400 |
| Huerfano | $81,350 | $107,400 |
| Jackson | $81,350 | $107,400 |
| Jefferson | $96,450 | $127,300 |
| Kiowa | $81,350 | $107,400 |
| Kit Carson | $81,350 | $107,400 |
| La Plata | $85,550 | $112,950 |
| Lake | $81,350 | $107,400 |
| Larimer | $89,900 | $118,650 |
| Las Animas | $81,350 | $107,400 |
| Lincoln | $81,350 | $107,400 |
| Logan | $81,350 | $107,400 |
| Mesa | $81,350 | $107,400 |
| Mineral | $83,800 | $110,600 |
| Moffat | $81,350 | $107,400 |
| Montezuma | $81,350 | $107,400 |
| Montrose | $81,350 | $107,400 |
| Morgan | $81,350 | $107,400 |
| Otero | $81,350 | $107,400 |
| Ouray | $86,450 | $114,100 |
| Park | $96,450 | $127,300 |
| Phillips | $81,350 | $107,400 |
| Pitkin | $111,400 | $147,050 |
| Prowers | $81,350 | $107,400 |
| Pueblo | $81,350 | $107,400 |
| Rio Blanco | $89,850 | $118,600 |
| Rio Grande | $81,350 | $107,400 |
| Routt | $93,350 | $123,200 |
| Saguache | $81,350 | $107,400 |
| San Juan | $81,350 | $107,400 |
| San Miguel | $97,750 | $129,050 |
| Sedgwick | $81,350 | $107,400 |
| Summit | $97,750 | $129,050 |
| Teller | $91,000 | $120,100 |
| Washington | $81,350 | $111,400 |
| Weld | $84,400 | $103,800 |
| Yuma | $81,350 | $107,400 |
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