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
72 cities
Alamosa, CO
Income (1-4)
$119,850
Monthly
$1,501/mo
Almont, CO
Income (1-4)
$119,850
Monthly
$3,197/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
Center, CO
Income (1-4)
$119,850
Monthly
$1,615/mo
Collbran, CO
Income (1-4)
$119,850
Monthly
$1,879/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
Cripple Creek, CO
Income (1-4)
$119,850
Monthly
$1,879/mo
Del Norte, CO
Income (1-4)
$119,850
Monthly
$1,747/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
Firestone, CO
Income (1-4)
$119,850
Monthly
$3,217/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
Frederick, CO
Income (1-4)
$119,850
Monthly
$3,244/mo
Fruita, CO
Income (1-4)
$119,850
Monthly
$2,456/mo
Gould, CO
Income (1-4)
$119,850
Monthly
$1,879/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
Hot Sulphur Springs, CO
Income (1-4)
$142,800
Monthly
$2,274/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
Pleasant View, CO
Income (1-4)
$119,850
Monthly
$1,747/mo
Poncha Springs, CO
Income (1-4)
$119,850
Monthly
$2,934/mo
Pueblo West, CO
Income (1-4)
$119,850
Monthly
$1,899/mo
Rangely, CO
Income (1-4)
$119,850
Monthly
$1,945/mo
Ridgway, CO
Income (1-4)
$119,850
Monthly
$3,750/mo
Rifle, CO
Income (1-4)
$142,800
Monthly
$2,656/mo
Saguache, CO
Income (1-4)
$119,850
Monthly
$1,483/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
Steamboat Lake, CO
Income (1-4)
$142,800
Monthly
$2,802/mo
Sterling, CO
Income (1-4)
$119,850
Monthly
$1,187/mo
Tabernash, CO
Income (1-4)
$142,800
Monthly
$4,218/mo
Toponas, CO
Income (1-4)
$142,800
Monthly
$1,747/mo
Towaoc, CO
Income (1-4)
$119,850
Monthly
$1,879/mo
Trinidad, CO
Income (1-4)
$119,850
Monthly
$1,254/mo
Victor, CO
Income (1-4)
$119,850
Monthly
$1,483/mo
Walden, CO
Income (1-4)
$119,850
Monthly
$1,945/mo
Walsenburg, CO
Income (1-4)
$119,850
Monthly
$1,300/mo
Woodland Park, CO
Income (1-4)
$119,850
Monthly
$3,263/mo
Yampa, CO
Income (1-4)
$142,800
Monthly
$1,879/mo
Florida USDA-Eligible Cities
29 cities
Aventura, FL
Income (1-4)
$119,850
Monthly
$3,033/mo
Bonifay, FL
Income (1-4)
$119,850
Monthly
$1,300/mo
Brandon, FL
Income (1-4)
$119,850
Monthly
$2,538/mo
Callahan, FL
Income (1-4)
$119,850
Monthly
$1,945/mo
Celebration, FL
Income (1-4)
$119,850
Monthly
$3,066/mo
Chiefland, FL
Income (1-4)
$119,850
Monthly
$1,254/mo
Clearwater, FL
Income (1-4)
$119,850
Monthly
$2,934/mo
Crestview, FL
Income (1-4)
$142,800
Monthly
$2,015/mo
DeFuniak Springs, FL
Income (1-4)
$142,800
Monthly
$1,902/mo
Englewood, FL
Income (1-4)
$119,850
Monthly
$2,934/mo
Fort Walton Beach, FL
Income (1-4)
$142,800
Monthly
$2,538/mo
Golden Gate, FL
Income (1-4)
$142,800
Monthly
$2,934/mo
Gulf Breeze, FL
Income (1-4)
$119,850
Monthly
$3,197/mo
Homestead, FL
Income (1-4)
$119,850
Monthly
$2,538/mo
Immokalee, FL
Income (1-4)
$142,800
Monthly
$1,701/mo
Jacksonville, FL
Income (1-4)
$119,850
Monthly
$2,077/mo
Lake Placid, FL
Income (1-4)
$119,850
Monthly
$1,454/mo
Largo, FL
Income (1-4)
$119,850
Monthly
$2,538/mo
Lehigh Acres, FL
Income (1-4)
$119,850
Monthly
$2,274/mo
Lynn Haven, FL
Income (1-4)
$119,850
Monthly
$2,274/mo
Marianna, FL
Income (1-4)
$119,850
Monthly
$1,214/mo
Milton, FL
Income (1-4)
$119,850
Monthly
$2,143/mo
Niceville, FL
Income (1-4)
$142,800
Monthly
$3,197/mo
Orange Park, FL
Income (1-4)
$119,850
Monthly
$2,209/mo
Sebring, FL
Income (1-4)
$119,850
Monthly
$1,501/mo
St. Petersburg, FL
Income (1-4)
$119,850
Monthly
$3,066/mo
Tampa, FL
Income (1-4)
$119,850
Monthly
$2,736/mo
Tarpon Springs, FL
Income (1-4)
$119,850
Monthly
$2,934/mo
Yulee, FL
Income (1-4)
$119,850
Monthly
$2,538/mo