USDA Rural Home Loans in Fraser, CO
USDA financing preserves $22,470 in capital for Fraser buyers at the $642,000 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 Fraser USDA-Eligible?
Portions of Fraser and the surrounding Grand County rural areas are USDA-eligible. Check usda.gov/eligibility for address-specific confirmation.
Eligibility is address-specific. We'll verify your target property against the USDA map before you write an offer.
Income Limits — Grand 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 — Fraser
| Typical purchase price | $642,000 |
| Down payment | $0 |
| Upfront guarantee fee (1%) | $6,420 (rolled into loan) |
| Monthly P&I | $4,098 |
| Annual fee (monthly) | $187/mo |
| Monthly total | $4,285/mo |
Comparable FHA payment: $4,267/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 Fraser
0% down, no PMI, and the cheapest monthly payment for eligible buyers.