USDA Loans
USDA Colorado home loans with no down payment for qualifying rural properties, offering affordable paths to homeownership in eligible areas.
Expert Guidance
Local support with a personal touch.
More Options
Access to 100+ wholesale lenders through C2 Financial.
Colorado Focused
Experience with Colorado buyers, homeowners, and investors.
Program Overview
USDA Loans
A USDA loan, guaranteed by the U.S. Department of Agriculture, is designed to make homeownership more accessible in eligible rural and suburban areas. Many Colorado communities qualify. USDA loans allow eligible homebuyers to purchase a home with no down payment, creating an option for borrowers who have stable income but may not have significant savings set aside.
Key Benefits
- » 100% financing for eligible borrowers — no down payment required.
- » Lower mortgage insurance costs compared to many low-down-payment loan programs.
- » Competitive 30-year fixed interest rates.
- » Closing costs may be paid by the seller or financed into the loan when allowed.
Who is this for?
This loan may be a great fit if you meet the following general criteria:
- » The property is located in a USDA-eligible rural or suburban area (we can help you verify).
- » Your household income falls within the USDA’s income limits for the area.
- » You have a reliable income and a reasonable credit history (many lenders look for scores around 640 or higher).
- » The home will be used as your primary residence.
These are general guidelines. Contact us for a personalized assessment. Not a commitment to lend.
Why Choose Cliff Mortgages for Your USDA Loan
USDA loans have unique rules. We have the specialized expertise to guide you through the process, from checking property eligibility to securing the final USDA commitment.
Property Eligibility Experts
We use official USDA maps to instantly verify property addresses so you can make offers with confidence.
Income Calculation Mastery
USDA income limits can be tricky. We know the guidelines to accurately determine eligibility upfront.
Streamlined USDA Submission
We partner with lenders who excel at USDA loans and package your file for a smooth approval and quick final submission to USDA.
The Zero Down Payment Advantage
A USDA loan makes homeownership possible for many who haven't saved a large down payment. See how it compares to a conventional loan.
USDA Loan
- $0 Down Payment:100% financing means you can buy with no money down.
- Lower Mortgage Insurance:USDA's annual guarantee fee is typically cheaper than PMI.
- Flexible Credit:Guidelines are often more forgiving than conventional loans.
Conventional Loan
- 3–20% Down Payment:Requires significant upfront cash.
- Monthly PMI Required:Costly private mortgage insurance with <20% down.
- Stricter Credit:Typically demands higher credit scores for best rates.
The Cliff Mortgages USDA Loan Promise
Eligibility Expertise
We give you a clear assessment of household income and property eligibility upfront.
Guarantee Fee Transparency
We explain the upfront and annual USDA guarantee fees so you understand total costs.
On-Time Closing Commitment
We manage the lender + USDA approval process to keep your closing on schedule.
A Simple Path to Your Rural Home
We make the unique USDA loan process straightforward and stress-free.
Eligibility Verification & Pre-Approval
We confirm your household income meets USDA limits and issue a pre-approval based on program guidelines.
Lender Underwriting
We submit your complete package to a USDA-approved lender for credit approval and appraisal review.
Final USDA Commitment & Closing
After lender approval, we manage the USDA guarantee submission for a quick turnaround and on-time closing.
How It Works
A Clear Path from Application to Closing
Eligibility Verification
We’ll help you confirm income and property eligibility using current USDA guidelines and maps.
Pre-Approval
We review your finances under USDA rules to provide a solid pre-approval so you can make an offer confidently.
Lender Underwriting
Your loan package goes through our USDA-approved lender for the initial credit approval and appraisal review.
Final USDA Commitment & Closing
After lender approval, we submit to USDA for the final guarantee and coordinate closing timelines to keep everything on track.
Ready to Get Started?
Find out if a USDA Loans in Colorado is right for you. Get a no-obligation quote from our experts today.
Request a Free Quote