USDA Rural Home Loans in Rifle, CO
USDA's 0-down option in Rifle saves $13,930 vs FHA's 3.5% minimum. For a market at $398,000 median, that's often the difference between buying now vs. saving another 1-2 years.
Is Rifle USDA-Eligible?
Rifle qualifies as a USDA-eligible small community. Most in-town and surrounding Garfield 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 — Garfield 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 — Rifle
| Typical purchase price | $398,000 |
| Down payment | $0 |
| Upfront guarantee fee (1%) | $3,980 (rolled into loan) |
| Monthly P&I | $2,540 |
| Annual fee (monthly) | $116/mo |
| Monthly total | $2,656/mo |
Comparable FHA payment: $2,646/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 Rifle
0% down, no PMI, and the cheapest monthly payment for eligible buyers.