USDA Rural Home Loans in Fairplay, CO
USDA financing preserves $15,470 in capital for Fairplay buyers at the $442,000 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 Fairplay USDA-Eligible?
Fairplay qualifies as a USDA-eligible small community. Most in-town and surrounding Park 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 — 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 — Fairplay
| Typical purchase price | $442,000 |
| Down payment | $0 |
| Upfront guarantee fee (1%) | $4,420 (rolled into loan) |
| Monthly P&I | $2,821 |
| Annual fee (monthly) | $128/mo |
| Monthly total | $2,949/mo |
Comparable FHA payment: $2,938/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 Fairplay
0% down, no PMI, and the cheapest monthly payment for eligible buyers.