USDA Loans · CO
USDA Rural Home Loans in Lake City, CO
0% down USDA financing in Lake City — no PMI, income-based eligibility, and one of the cheapest ways to buy in a USDA-eligible area.
Down Payment
$0
Monthly Total
$2,188/mo
Income Limit (1-4)
$119,850
vs FHA
Save —/mo
Is Lake City USDA-Eligible?
Yes — Lake City is USDA-eligible
Lake City, CO is a USDA Rural Development eligible community in HINSDALE County. Agricultural heritage, low population density, and geographic distance from major urban cores qualify most Lake City 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 — HINSDALE 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 — Lake City
| Typical purchase price | — |
| Down payment | $0 |
| Upfront guarantee fee (1%) | — (rolled into loan) |
| Monthly P&I | — |
| Annual fee (monthly) | —/mo |
| Monthly total | $2,188/mo |
Comparable FHA payment: —/mo. USDA saves ~—/month.
FAQs
Check USDA eligibility for Lake City
0% down, no PMI, and the cheapest monthly payment for eligible buyers.