USDA Loan
Zero-down financing for eligible rural and edge-of-town addresses, which reaches further into the Front Range than most buyers realize. Built to make homeownership work outside the city core.
Is this you?
How it works
The U.S. Department of Agriculture guarantees the loan to encourage rural homeownership, which is what unlocks the $0-down structure.
The home must sit in an eligible area and your household income must fall under the limit. We confirm both up front, fast.
USDA’s fees are typically lower than FHA mortgage insurance, which can make the monthly payment very competitive.
What you’ll bring
A starting list, not a final one, every file is a little different, and we’ll tell you exactly what yours needs.
Common questions
Likely more than you think, many neighborhoods just outside Colorado Springs qualify. Send us an address and we’ll check it in minutes.
They vary by county and household size. We’ll confirm whether you’re under the limit before you go further.
Often lower. We’ll line them up side by side so the monthly difference is clear.
Keep exploring
Low-down option that isn’t location-restricted.
Learn moreCompare the long-run cost where USDA isn’t available.
Learn moreAnother zero-down path if you’ve served.
Learn moreThis page is informational and not a commitment to lend or a guarantee of any rate or term. All loans are subject to credit approval and program guidelines; not all applicants will qualify.
Get started
One conversation tells us whether this is your best move, or whether something else fits better. No pressure either way.
