For homebuyers in rural areas of Colorado, USDA home loans are one of the last $0 down, 100% financing options available. USDA-guaranteed mortgages offer more lenient eligibility requirements and lower costs both upfront and long term when compared to FHA home loans.

USDA loans in Colorado are designed to help low to moderate income households finance homes in rural areas. USDA home loans are guarantied by the United States Department of Agriculture and administered through Colorado mortgage lenders like Wyatt Home Loans. These loans feature low 30-year fixed rates, low mortgage insurance, and flexible credit requirements.

While homes in the Denver Metro area and surrounding major cities/areas do not qualify, there are MANY homes in outlaying areas that do! As one of the top USDA lenders in Colorado, our team is available to help you finance the home of your dreams.

USDA Home Loans Colorado

USDA Loan Requirements

Our USDA loan programs are designed to help low to moderate income families purchase a primary residence in the State of Colorado. Our team of mortgage professionals can assist you in determine if a property is eligible for a USDA home loan and help find an eligible property throughout the state. 

USDA Credit Score Requirements

USDA Credit Score Requirements

A credit score of at least 620-640 FICO is need in most situations to qualify for a USDA home loan. A USDA loan allows you to finance your closing costs up to the appraised value up to the appraised value of the property. In addition, with a qualifying credit score, a USDA loan requires NO down payment. 

Income Limits for USDA Loans

Income Limits for USDA Loans

In order to be eligible for a USDA home loan in Colorado, your income limits must be within current guidelines. Current USDA income limits in Colorado range from $103,500 to $129,400 in the Denver Metro Area for a 1-4 person household. Income limits for a 5-8 person household currently top out at $170,800 in the Denver area. 

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USDA Loan Requirements Colorado

USDA loans in Colorado require the property is located in an approved area, typically towns/cities with a population less than 20,000. Please check the map below for an overview of eligible areas. In addition, borrowers must show a history of steady income and employement.

USDA LOAN map colorado

The USDA eligible Colorado home loan map below is provided for informational purposes only. Please contact a member of the Wyatt Home Loans mortgage team to determine if a property you are interested is in a qualified area, or for help in finding a qualified property. Properties located outside of the red zones may qualify. 

USDA Loan Map Colorado


Wyatt Home Loans is a division of Fairway Independent Mortgage Corporation. Based in Castle Rock, CO, we provide comprehensive USDA home loan options to borrowers throughout the state of Colorado including:



Canon City



Buena Vista







Contact Us

Wyatt Home loans is a Castle Rock, CO based full service mortgage lender, offering home buyers access to a wide variety of home loan and mortgage programs custom tailored to their individual needs.  


115 Wilcox St, Ste #309
Castle Rock, CO 80104
Ph: +1-303-775-2928