USDA Loans · CO
USDA Rural Home Loans in La Junta, CO
0% down USDA financing in La Junta — no PMI, income-based eligibility, and one of the cheapest ways to buy in a USDA-eligible area.
Down Payment
$0
Monthly Total
$1,014/mo
Income Limit (1-4)
$119,850
vs FHA
Save —/mo
Is La Junta USDA-Eligible?
Yes — La Junta is 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 | — |
| Down payment | $0 |
| Upfront guarantee fee (1%) | — (rolled into loan) |
| Monthly P&I | — |
| Annual fee (monthly) | —/mo |
| Monthly total | $1,014/mo |
Comparable FHA payment: —/mo. USDA saves ~—/month.
FAQs
Check USDA eligibility for La Junta
0% down, no PMI, and the cheapest monthly payment for eligible buyers.