USDA Rural Home Loans in La Junta, CO
At $152,000 median, La Junta is one of CO's most affordable USDA markets. With 0% down, a buyer's upfront cash is essentially the guarantee fee ($1,520, financeable) and closing costs — total out-of-pocket can be under $3,040 in many scenarios.
Is La Junta USDA-Eligible?
La Junta, CO is a USDA Rural Development eligible community in Otero County. Agricultural heritage, low population density, and geographic distance from major urban cores qualify most La Junta 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 — Otero 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 — La Junta
| Typical purchase price | $152,000 |
| Down payment | $0 |
| Upfront guarantee fee (1%) | $1,520 (rolled into loan) |
| Monthly P&I | $970 |
| Annual fee (monthly) | $44/mo |
| Monthly total | $1,014/mo |
Comparable FHA payment: $1,010/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 La Junta
0% down, no PMI, and the cheapest monthly payment for eligible buyers.