USDA Loans
USDA loans offer 100% financing for homes in eligible rural and suburban-edge areas — and “rural” is far more generous than people assume. Peyton, Calhan, Ellicott, Elizabeth, Kiowa, Woodland Park, Florence and many addresses within commuting distance of Colorado Springs, Castle Rock and Pueblo qualify. If you’re flexible on location, this can be the cheapest path to keys.
Is this you?
- Buyers looking east of Colorado Springs, in Elbert or Teller County, or toward Pueblo
- Households within USDA income limits for their county
- Buyers who want $0 down without VA eligibility
- First-time buyers stretching a starter budget further
Scott · Loan OfficerQuestions friends actually ask
What areas qualify for a USDA loan in Colorado?
Eligibility is address-specific, but large portions of Colorado outside the Denver and Colorado Springs urban cores qualify — including Peyton, Calhan and Ellicott east of Colorado Springs, most of Elbert and Teller Counties, and many towns around Pueblo. Scott can check any specific address against the current USDA eligibility map instantly.
Are there income limits for USDA loans?
Yes — USDA loans are designed for low-to-moderate income households, with limits that vary by county and household size. The limits are higher than most people expect, so it’s worth checking before assuming you’re over.
Is a USDA loan better than FHA?
When you qualify for both, USDA often wins: $0 down versus 3.5%, and a lower annual fee than FHA’s mortgage insurance. The trade-offs are the location and income requirements — which is exactly the comparison Scott runs for you.
Keep exploring
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →Not sure yet?
That is literally what Scott is for. One conversation, all your options side by side, zero pressure to move forward.
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