USDA Rural Home Loans in Bailey, CO
USDA financing preserves $17,430 in capital for Bailey buyers at the $498,000 median — funds that can instead go toward improvements, furniture, a contingency reserve, or investment. Rural properties often require additional upfront investment (wells, septic maintenance, acreage clearing), making USDA's 0-down structure especially practical.
Is Bailey USDA-Eligible?
Bailey, CO is a USDA Rural Development eligible community in Park County. Agricultural heritage, low population density, and geographic distance from major urban cores qualify most Bailey properties for USDA guaranteed financing.
Eligibility is address-specific. We'll verify your target property against the USDA map before you write an offer.
Income Limits — Park County
| Household Size | 2026 Income Limit |
|---|---|
| 1-4 person | $142,800 |
| 5-8 person | $188,496 |
USDA uses adjusted household income (after allowable deductions), not gross. Some earners above these limits still qualify after deductions.
USDA Monthly Payment — Bailey
| Typical purchase price | $498,000 |
| Down payment | $0 |
| Upfront guarantee fee (1%) | $4,980 (rolled into loan) |
| Monthly P&I | $3,179 |
| Annual fee (monthly) | $145/mo |
| Monthly total | $3,324/mo |
Comparable FHA payment: $3,310/mo. Payments land close to FHA here, but USDA needs no down payment at all — that is the real saving.
FAQs
Check USDA eligibility for Bailey
0% down, no PMI, and the cheapest monthly payment for eligible buyers.