USDA Rural Home Loans in Oak Creek, CO
USDA's 0-down option in Oak Creek saves $12,880 vs FHA's 3.5% minimum. For a market at $368,000 median, that's often the difference between buying now vs. saving another 1-2 years.
Is Oak Creek USDA-Eligible?
Oak Creek, CO is a USDA Rural Development eligible community in Routt County. Agricultural heritage, low population density, and geographic distance from major urban cores qualify most Oak Creek 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 — Routt 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 — Oak Creek
| Typical purchase price | $368,000 |
| Down payment | $0 |
| Upfront guarantee fee (1%) | $3,680 (rolled into loan) |
| Monthly P&I | $2,349 |
| Annual fee (monthly) | $107/mo |
| Monthly total | $2,456/mo |
Comparable FHA payment: $2,445/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 Oak Creek
0% down, no PMI, and the cheapest monthly payment for eligible buyers.