No Money Down USDA Loan program for Colorado buyers


Allows low to moderate income rural homebuyers achieve their dream of homeownership!



  • 30 year Fixed Rate Loan
  • 100% Financing
  • NO down payment
  • NO prepayment penalties
  • Flexible credit guidelines (FICO scores below 640 require an exception)
  • Gift funds and seller concessions are allowed
  • Not limited to first time homebuyers (but can’t currently own a home)
  • Upfront Guarantee Fee of 2% may be added to loan amount
  • Low monthly funding fee of .4%



  • Income can not exceed 115% of the median household income for the area ($89,350 for FortCollins-Loveland area, $78,650 for Greeley area, 1-4 members of household)
  • Property must be located in rural area as designated by RHS – refer to
  • EXPANDED Areas now include Windsor and Timnath!!!


EMAIL: for a list of participating lenders.  This program is excellent for rural towns such as Windsor, Eaton, LaSalle, Wellington, Mead, Severance, parts of Loveland, Berthoud, Firestone and Frederick.  Or call 970-691-0368 for details.


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