USDA Loans · CO
USDA Rural Home Loans in Ouray, CO
0% down USDA financing in Ouray — no PMI, income-based eligibility, and one of the cheapest ways to buy in a USDA-eligible area.
Down Payment
$0
Monthly Total
$3,283/mo
Income Limit (1-4)
$119,850
vs FHA
Save —/mo
Is Ouray USDA-Eligible?
Yes — Ouray is USDA-eligible
Ouray qualifies as a USDA-eligible small community. Most in-town and surrounding OURAY 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 — OURAY 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 — Ouray
| Typical purchase price | — |
| Down payment | $0 |
| Upfront guarantee fee (1%) | — (rolled into loan) |
| Monthly P&I | — |
| Annual fee (monthly) | —/mo |
| Monthly total | $3,283/mo |
Comparable FHA payment: —/mo. USDA saves ~—/month.
FAQs
Check USDA eligibility for Ouray
0% down, no PMI, and the cheapest monthly payment for eligible buyers.