USDA Rural Home Loans in Delta, CO
USDA's 0-down option in Delta saves $10,430 vs FHA's 3.5% minimum. For a market at $298,000 median, that's often the difference between buying now vs. saving another 1-2 years.
Is Delta USDA-Eligible?
Delta qualifies as a USDA-eligible small community. Most in-town and surrounding Delta County rural properties are eligible — verify your specific address at usda.gov/eligibility before making an offer, as eligibility boundaries can shift.
Eligibility is address-specific. We'll verify your target property against the USDA map before you write an offer.
Income Limits — Delta County
| Household Size | 2026 Income Limit |
|---|---|
| 1-4 person | $119,850 |
| 5-8 person | $158,202 |
USDA uses adjusted household income (after allowable deductions), not gross. Some earners above these limits still qualify after deductions.
USDA Monthly Payment — Delta
| Typical purchase price | $298,000 |
| Down payment | $0 |
| Upfront guarantee fee (1%) | $2,980 (rolled into loan) |
| Monthly P&I | $1,902 |
| Annual fee (monthly) | $86/mo |
| Monthly total | $1,988/mo |
Comparable FHA payment: $1,980/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 Delta
0% down, no PMI, and the cheapest monthly payment for eligible buyers.