USDA Loans
USDA Rural Home Loans in Colorado & Florida
0% down, no PMI, and one of the cheapest ways to buy a home — as long as your target property sits inside a USDA-eligible area and your household income qualifies.
USDA guaranteed loans require zero down payment and carry lower monthly fees than FHA. Eligibility is address-specific — most of rural and small-town Colorado and Florida qualifies. Pick a city below to see local income limits and monthly payment math.
Colorado USDA-Eligible Cities
51 cities
Alamosa, CO
Income (1-4)
$119,850
Monthly
$1,501/mo
Bailey, CO
Income (1-4)
$142,800
Monthly
$3,324/mo
Bayfield, CO
Income (1-4)
$119,850
Monthly
$2,415/mo
Buena Vista, CO
Income (1-4)
$119,850
Monthly
$3,283/mo
Cedaredge, CO
Income (1-4)
$119,850
Monthly
$2,168/mo
Cortez, CO
Income (1-4)
$119,850
Monthly
$1,922/mo
Craig, CO
Income (1-4)
$119,850
Monthly
$1,748/mo
Crawford, CO
Income (1-4)
$119,850
Monthly
$1,882/mo
Delta, CO
Income (1-4)
$119,850
Monthly
$1,988/mo
Dolores, CO
Income (1-4)
$119,850
Monthly
$1,748/mo
Eaton, CO
Income (1-4)
$119,850
Monthly
$2,770/mo
Elizabeth, CO
Income (1-4)
$119,850
Monthly
$4,138/mo
Fairplay, CO
Income (1-4)
$142,800
Monthly
$2,949/mo
Florence, CO
Income (1-4)
$119,850
Monthly
$1,835/mo
Fort Morgan, CO
Income (1-4)
$119,850
Monthly
$1,768/mo
Fraser, CO
Income (1-4)
$142,800
Monthly
$4,285/mo
Fruita, CO
Income (1-4)
$119,850
Monthly
$2,456/mo
Granby, CO
Income (1-4)
$142,800
Monthly
$3,417/mo
Gunnison, CO
Income (1-4)
$119,850
Monthly
$2,949/mo
Hayden, CO
Income (1-4)
$142,800
Monthly
$2,549/mo
Hotchkiss, CO
Income (1-4)
$119,850
Monthly
$1,949/mo
Ignacio, CO
Income (1-4)
$119,850
Monthly
$1,855/mo
La Junta, CO
Income (1-4)
$119,850
Monthly
$1,014/mo
Lake City, CO
Income (1-4)
$119,850
Monthly
$2,188/mo
Lake George, CO
Income (1-4)
$142,800
Monthly
$2,703/mo
Lamar, CO
Income (1-4)
$119,850
Monthly
$987/mo
Mancos, CO
Income (1-4)
$119,850
Monthly
$2,082/mo
Meeker, CO
Income (1-4)
$119,850
Monthly
$1,922/mo
Monte Vista, CO
Income (1-4)
$119,850
Monthly
$1,347/mo
Montrose, CO
Income (1-4)
$119,850
Monthly
$2,349/mo
Naturita, CO
Income (1-4)
$119,850
Monthly
$1,081/mo
New Castle, CO
Income (1-4)
$142,800
Monthly
$3,056/mo
Norwood, CO
Income (1-4)
$142,800
Monthly
$1,882/mo
Nucla, CO
Income (1-4)
$119,850
Monthly
$1,054/mo
Oak Creek, CO
Income (1-4)
$142,800
Monthly
$2,456/mo
Olathe, CO
Income (1-4)
$119,850
Monthly
$1,788/mo
Ouray, CO
Income (1-4)
$119,850
Monthly
$3,283/mo
Pagosa Springs, CO
Income (1-4)
$119,850
Monthly
$3,083/mo
Palisade, CO
Income (1-4)
$119,850
Monthly
$2,589/mo
Paonia, CO
Income (1-4)
$119,850
Monthly
$2,122/mo
Parachute, CO
Income (1-4)
$142,800
Monthly
$2,055/mo
Placerville, CO
Income (1-4)
$142,800
Monthly
$2,549/mo
Ridgway, CO
Income (1-4)
$119,850
Monthly
$3,750/mo
Rifle, CO
Income (1-4)
$142,800
Monthly
$2,656/mo
Salida, CO
Income (1-4)
$119,850
Monthly
$3,083/mo
Silt, CO
Income (1-4)
$142,800
Monthly
$2,415/mo
Silverton, CO
Income (1-4)
$119,850
Monthly
$2,836/mo
Sterling, CO
Income (1-4)
$119,850
Monthly
$1,187/mo
Tabernash, CO
Income (1-4)
$142,800
Monthly
$4,218/mo
Trinidad, CO
Income (1-4)
$119,850
Monthly
$1,254/mo
Walsenburg, CO
Income (1-4)
$119,850
Monthly
$1,300/mo
Florida USDA-Eligible Cities
8 cities
Bonifay, FL
Income (1-4)
$119,850
Monthly
$1,300/mo
Chiefland, FL
Income (1-4)
$119,850
Monthly
$1,254/mo
Crestview, FL
Income (1-4)
$142,800
Monthly
$2,015/mo
DeFuniak Springs, FL
Income (1-4)
$142,800
Monthly
$1,902/mo
Immokalee, FL
Income (1-4)
$142,800
Monthly
$1,701/mo
Lake Placid, FL
Income (1-4)
$119,850
Monthly
$1,454/mo
Marianna, FL
Income (1-4)
$119,850
Monthly
$1,214/mo
Sebring, FL
Income (1-4)
$119,850
Monthly
$1,501/mo