USDA Home Loans: Zero Down, and More Places Qualify Than You Think
Found a house you love just outside town, maybe on a couple acres, maybe in a small community that doesn’t feel “rural” at all until you check a map? You don’t have a big down payment saved, and you’re wondering if that kills the whole thing.
It doesn’t. That’s exactly the situation the USDA Rural Development loan was built for. And if you looked into one of these a few years back and hit a wall, keep reading, because the wall moved.
Most people know this program as a “USDA loan.” Some know it as a “USDA mortgage,” a “USDA house loan,” or a “Rural Development loan.” Same program, different names, and we’ll use all of them here, because you shouldn’t have to guess the right vocabulary to get a straight answer.
USDA Rural Development Home Loans in Oregon, Washington, and Colorado
A USDA loan (officially the USDA Rural Development Guaranteed Loan) lets eligible buyers finance a home with no down payment at all, in exchange for two boxes: the property sits in a USDA-eligible area, and household income fits under the limit for the county and household size. Next to VA, it’s about the best program out there when you qualify and don’t have a big down payment saved, and unlike VA, you don’t need military service to use it.
The two boxes scare people off before they ever check them. That’s a mistake, and this page exists to show you why: the eligible areas are far bigger than anyone assumes, and the income limits are far higher.
USDA Fast Facts
| Fact | The short version |
|---|---|
| Down payment | None required for eligible buyers. Zero down, 100% financing. |
| Where it works | USDA-eligible rural and suburban areas, which is most of the map in all three of our states. Check your city in the lookup below, then let us check your exact address. |
| Income limits | Higher than most people expect, for 2026 they range from $122,800 up to $236,350 depending on county and household size. Full breakdown below. |
| Credit | Flexible credit requirements. No single hard cutoff, every file is its own conversation. |
| Loan terms | Generally a 30-year fixed. |
| Mortgage insurance | USDA has its own version and it’s small: a 1% one-time upfront guarantee fee and a 0.35% annual fee. For comparison, FHA runs 1.75% upfront and 0.55% annually. It’s genuinely not much of a downside. |
| Property types | Single-family primary residences in eligible areas. Some manufactured homes can work under specific rules that have shifted in recent years, tell us about your exact home and we’ll give you a straight answer. |
| First-time buyers | Welcome but not required. USDA has no first-time-buyer restriction. |
This Fits You If
- You’re buying in a USDA-eligible town or rural area (again: that’s most towns, check yours below).
- Your household income fits under the limit for your county and household size, and those limits are higher than you think.
- You don’t have a big down payment saved and want to keep your cash in your pocket.
- You’re a veteran? Then VA is probably the better fit, and we’ll tell you that straight.
- Income over the USDA limit, or buying in town? You’re not out of options. In Oregon, the state’s Flex down payment assistance program is the in-town alternate with far less strict limits, and other down payment assistance options exist too. Ask us which fits your situation.
Keep in Mind
- Not every address qualifies. The map decides, and we check it for you, free, in minutes.
- Income limits are real, but they’re measured after certain deductions, so your gross paycheck isn’t the final answer.
- USDA runs the strictest debt-to-income check of any program we work with. It’s often the best-fitting loan once you qualify, but that DTI rule can trip an otherwise strong file. If that happened to you somewhere else, or you’re worried it might, it usually means a different program fits better, not that you can’t buy. Ask us before ruling yourself out.
USDA and Rural Development loans, OR, WA and CO
Not sure if your address, income, or file fits? That’s our job.
Tell us your situation, two sentences or two paragraphs, both work. You’ll get a straight answer about where you stand, and what fits better if USDA isn’t it. No drip campaign, no runaround, no pressure.
About a minute. A real reply from Matt, Lauren, or Chandler, not a drip campaign.
2026 USDA Income Limits: Higher Than You Think
This is the number everyone gets wrong, so here it is plainly:
2026 USDA income limits across Oregon, Washington, and Colorado
- Households of 1 to 4 people: $122,800 to $179,050, depending on your county or metro area
- Households of 5 to 8 people: $162,100 to $236,350
- A single buyer gets the full 1-to-4 limit. No shrunken solo ceiling, a household of one has the same limit as a household of four.
- Bigger households get meaningfully higher limits. A big family near a metro edge often qualifies when they’d never guess it.
- The limit is measured against your income after certain deductions, so your gross paycheck isn’t the final number.
- Anywhere near these ranges, or even a bit over? Worth checking before ruling yourself out.
And if you’re genuinely over the limit, that’s not a dead end, it’s a different door. In Oregon, the state’s Flex program is the natural pivot: it works in town, no eligibility map required, and its income limits are far less strict. Other down payment assistance options exist as well. Tell us your situation and we’ll point you at the right door.
Why are the limits so much higher than the program’s reputation? Short version: they’re recalculated regularly, they’re set county by county, and they finally caught up to what homes actually cost. The long version is a good story and we’ll tell it to you if you ask, but the practical point is simple: the number that stopped you in 2019 or 2022 isn’t the number anymore.
Where USDA Loans Work: The Map Is Bigger Than You Think
Here’s the biggest misconception about USDA home financing, stated as plainly as we can: “rural” doesn’t mean what you picture. It doesn’t mean farmland. It doesn’t mean an hour from a grocery store. On the actual USDA eligibility map, the ineligible areas are small islands around the major metro cores, and essentially everything else qualifies.
And here’s the strangest part, worth knowing before you look at any map: USDA draws its own eligibility lines. They’re not city limits, not ZIP codes, not county lines, they’re USDA’s own boundaries, and they can be genuinely bizarre. Which is exactly why the only real answer for any specific home is checking the exact address, and we do that for free. Below, state by state: the areas that are in and out, and a city checker with a straight answer for every incorporated city, all 794 of them across our three states.
Oregon
Of Oregon’s 241 incorporated cities, 209 are 100% USDA-eligible. The exceptions are the metro cores you’d guess: Portland and its inner suburb belt (Gresham, Beaverton, Hillsboro, Tigard, Lake Oswego), Salem and Keizer, Eugene and Springfield, Corvallis, Albany, Bend, Medford’s core, and Grants Pass. That’s essentially the whole list.
Here’s the part people miss: those cities are out per se, but the surrounding areas are very much in, and having one of those city names in your address does not mean you’re inside the excluded zone. USDA draws its own lines, and it’s normally just the metro core itself that’s shut out, while homes all around it, often carrying the exact same city name in their mailing address, qualify just fine. Eugene address, outside the line? Can work. Salem address in the county? Can work. That’s why the address check with us is the real answer, not the name on your mail.
And the eligible ring around every island is wide open: the line literally runs between Hillsboro (ineligible) and Cornelius (fully eligible), one town over. Around Portland: Canby, Sandy, Estacada, Molalla, North Plains, Banks, Scappoose, and St. Helens. Around Salem: Silverton, Stayton, Dallas, Monmouth, Independence, and Woodburn. Around Eugene: Junction City, Creswell, Cottage Grove, Veneta, and Coburg. Around Bend: Redmond, all 36,000 people of it, plus Sisters, La Pine, and the country just past the city line. Around Medford: Eagle Point, Jacksonville, Phoenix, Talent, and Ashland. McMinnville, Lebanon, Roseburg, Klamath Falls, Hermiston, Pendleton, Coos Bay, The Dalles, La Grande, Prineville, Madras: all eligible, zero down.
Yes, you can get a USDA loan in Adair Village, Oregon. Adair Village and the Benton County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Adams qualifies. This part of Oregon, the Columbia Basin, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Adrian, Oregon? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Albany, Oregon city limits are ineligible on the current map, but Albany-addressed homes outside the incorporated boundary can absolutely work for USDA financing. Lebanon, Jefferson, Tangent, Millersburg, Brownsville, and Scio nearby are all eligible. Worth a quick address check before assuming anything.
Amity, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Antelope as eligible ground. Buying a home in Antelope, Oregon can pencil with a Rural Development loan and zero down.
Is Arlington USDA-eligible? It is, along with the Gilliam County countryside around it, and a rural housing loan works in this corner of Oregon. We check exact addresses for free.
Ashland is open for USDA financing here in Oregon. Homes in the Rogue Valley fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Astoria, Oregon? Good news, Astoria sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Athena, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies.
Aumsville checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Aurora, Oregon, the whole area in the Willamette Valley is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Baker City, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Bandon, Oregon. Bandon and the Coos County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Banks qualifies. This part of Oregon, on the rural west side of the Portland metro, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Barlow, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Bay City, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The incorporated city of Beaverton, Oregon is inside the ineligible zone, but USDA draws its own eligibility lines, and they don’t follow ZIP codes. Just west, Cornelius, Forest Grove, North Plains, and Banks are fully open for USDA home loans with zero down. Beaverton-area addresses outside city limits can qualify too, we check exact addresses for free.
Most of Bend, Oregon proper is inside the ineligible zone, but Bend is a city where the edges genuinely matter: some areas near the boundary fall outside it, and the country just beyond town qualifies. Redmond, Sisters, and La Pine are fully eligible for zero down USDA financing. A Bend mailing address rules nothing out, send us the address.
The current eligibility map shows Boardman as eligible ground. Buying a home in Boardman, Oregon can pencil with a USDA loan and zero down.
Is Bonanza USDA-eligible? It is, along with the Klamath County countryside around it, and a USDA home loan works in this corner of Oregon. We check exact addresses for free.
Brookings is open for USDA financing here in Oregon. Homes on the south Oregon coast fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Brownsville, Oregon? Good news, Brownsville sits in USDA-eligible territory, no money down included.
Homes in Burns, Oregon fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
Butte Falls checks out. On the current USDA eligibility map this Oregon town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Canby, Oregon, the whole area on the rural edge of the Portland metro is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Cannon Beach, Oregon often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Canyon City, Oregon. Canyon City and the Grant County area around it sit inside USDA-eligible territory, and zero down applies here.
Canyonville qualifies. This part of Oregon, the Umpqua Valley, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Can you get a USDA mortgage in Carlton, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Cascade Locks, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Cave Junction as eligible ground. Buying a home in Cave Junction, Oregon can pencil with a Rural Development loan and zero down.
Incorporated Central Point, Oregon is inside the ineligible area, but the Rogue Valley around it is wide open: Eagle Point, Gold Hill, and Jacksonville all qualify for USDA home loans. Central Point addresses outside city limits can work too, send one over and we will confirm in minutes.
Is Chiloquin USDA-eligible? It is, along with the Klamath County countryside around it, and a rural housing loan works in this corner of Oregon.
Clatskanie is open for USDA financing here in Oregon. Homes along the lower Columbia River fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Coburg, Oregon? Good news, Coburg sits in USDA-eligible territory, no money down included.
Homes in Columbia City, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Condon checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Coos Bay, Oregon, the whole area on the south Oregon coast is inside eligible territory.
First-time buyers in Coquille, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a Rural Development loan in Cornelius, Oregon. Cornelius and the Washington County area around it sit inside USDA-eligible territory, and zero down applies here.
Corvallis, Oregon proper sits inside the ineligible zone, yet homes with Corvallis addresses outside the boundary can finance with a USDA loan. Philomath, Monroe, and Adair Village next door are fully eligible, zero down included. The ZIP code is not the answer, the boundary is, ask us to check yours.
Cottage Grove qualifies. This part of Oregon, the southern Willamette Valley, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Can you get USDA home financing in Cove, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Creswell, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Culver as eligible ground. Buying a home in Culver, Oregon can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Is Dallas USDA-eligible? It is, along with the Polk County countryside around it, and a USDA home loan works in this corner of Oregon.
Dayton is open for USDA financing here in Oregon. Homes in Yamhill County wine country fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Dayville, Oregon? Good news, Dayville sits in USDA-eligible territory, no money down included.
Homes in Depoe Bay, Oregon fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Detroit checks out. On the current USDA eligibility map this Oregon town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
USDA home financing works in Donald, Oregon, the whole area in the Willamette Valley is inside eligible territory.
First-time buyers in Drain, Oregon often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a USDA loan in Dufur, Oregon. Dufur and the Wasco County area around it sit inside USDA-eligible territory, and zero down applies here.
Dundee qualifies. This part of Oregon, Yamhill County wine country, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Dunes City, Oregon? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Durham, Oregon sits inside the metro ineligible area. The nearest USDA-eligible territory runs toward Newberg and Canby, both fully open. If you are looking at the rural edges nearby, send us the address and we will check it in minutes.
Eagle Point, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Echo as eligible ground. Buying a home in Echo, Oregon can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
Is Elgin USDA-eligible? It is, along with the Union County countryside around it, and a rural housing loan works in this corner of Oregon.
Elkton is open for USDA financing here in Oregon. Homes in the Umpqua Valley fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Enterprise, Oregon? Good news, Enterprise sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Estacada, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies.
Most of incorporated Eugene, Oregon is ineligible, but Eugene is a boundary city: some edge areas fall outside the exclusion, and many homes with Eugene mailing addresses sit beyond city limits in eligible ground. Junction City, Creswell, Cottage Grove, Veneta, and Coburg all qualify for USDA Rural Development loans. The line decides, not the address, we check for free.
Incorporated Fairview, Oregon sits inside the ineligible zone. The nearest USDA-eligible ground is close though, Sandy and the rural east county around it qualify. If your Fairview address falls outside city limits, we will check it for free.
Falls City checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
A USDA mortgage works in Florence, Oregon, the whole area in the southern Willamette Valley is inside eligible territory.
First-time buyers in Forest Grove, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Fossil, Oregon. Fossil and the Wheeler County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Garibaldi qualifies. This part of Oregon, on the north Oregon coast, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Gaston, Oregon? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Gates, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Gearhart as eligible ground. Buying a home in Gearhart, Oregon can pencil with a USDA loan and zero down.
Is Gervais USDA-eligible? It is, along with the Marion County countryside around it, and a USDA home loan works in this corner of Oregon. We check exact addresses for free.
Gladstone, Oregon proper sits inside the ineligible zone. The eligible ring is close though, Canby and Estacada both qualify for USDA home financing with no down payment. If your address sits outside an incorporated boundary, worth a quick check, ask us.
Glendale is open for USDA financing here in Oregon. Homes in the Umpqua Valley fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Gold Beach, Oregon? Good news, Gold Beach sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Gold Hill, Oregon fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Granite checks out. On the current USDA eligibility map this Oregon town is eligible, and a rural housing loan is a real option here.
Most of Grants Pass, Oregon sits inside the ineligible zone, but a real slice near the edges falls outside it, and Rogue River and Cave Junction nearby are fully eligible for USDA financing. This is exactly the kind of town where an exact-address check pays off, send it over.
USDA home financing works in Grass Valley, Oregon, the whole area in the Columbia Plateau wheat country is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Greenhorn, Oregon often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Incorporated Gresham, Oregon is inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Head east and Sandy and Estacada are fully open for USDA home loans with zero down. Gresham-area addresses outside city limits can qualify too, we check exact addresses for free.
Yes, you can get a USDA loan in Haines, Oregon. Haines and the Baker County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Halfway qualifies. This part of Oregon, Baker County, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Halsey, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Most of Happy Valley, Oregon is inside the ineligible area, but some boundary-edge spots fall outside it, and Estacada, Sandy, and Molalla a few minutes out are fully open for a USDA home loan with no down payment. Two minutes with your address and we will know for sure.
Harrisburg, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Helix as eligible ground. Buying a home in Helix, Oregon can pencil with a Rural Development loan and zero down.
Is Heppner USDA-eligible? It is, along with the Morrow County countryside around it, and a rural housing loan works in this corner of Oregon. We check exact addresses for free.
Hermiston is open for USDA financing here in Oregon. Homes in the Columbia Basin fall within the eligible area, and USDA home financing can come with 100% financing.
Hillsboro, Oregon inside city limits is ineligible, and here is the wild part: Cornelius and Forest Grove, directly next door, are 100% eligible. The line literally runs between neighboring towns. A Hillsboro-area address outside the boundary can absolutely work for a USDA loan, send it over and we will confirm.
Looking for a rural home loan around Hines, Oregon? Good news, Hines sits in USDA-eligible territory, no money down included.
Homes in Hood River, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Hubbard checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Huntington, Oregon, the whole area in Baker County is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Idanha, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Imbler, Oregon. Imbler and the Union County area around it sit inside USDA-eligible territory, and zero down applies here.
Independence qualifies. This part of Oregon, the Willamette Valley, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Can you get USDA home financing in Ione, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Irrigon, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Island City as eligible ground. Buying a home in Island City, Oregon can pencil with a USDA loan and zero down.
Is Jacksonville USDA-eligible? It is, along with the Jackson County countryside around it, and a USDA home loan works in this corner of Oregon.
Jefferson is open for USDA financing here in Oregon. Homes in the Willamette Valley fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around John Day, Oregon? Good news, John Day sits in USDA-eligible territory, no money down included.
Tiny Johnson City, Oregon sits inside the metro ineligible zone, but Canby and Estacada nearby are fully open for USDA financing. Eligibility runs by the boundary line, we will check any exact address for free.
Homes in Jordan Valley, Oregon fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
Joseph checks out. On the current USDA eligibility map this Oregon town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Junction City, Oregon, the whole area in the southern Willamette Valley is inside eligible territory.
Incorporated Keizer, Oregon sits inside the ineligible zone, but the surrounding Marion County countryside does not: Gervais, St. Paul, Woodburn, and Silverton are all open for a Rural Development loan with no down payment. A Keizer mailing address outside the boundary can qualify, we check for free.
King City, Oregon is literally split by the USDA boundary, roughly a third of the city checks out as eligible on the current map. This is the definition of a check-your-exact-address situation, and that check takes us minutes. Newberg just down the road is fully eligible too.
First-time buyers in Klamath Falls, Oregon often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a USDA loan in La Grande, Oregon. La Grande and the Union County area around it sit inside USDA-eligible territory, and zero down applies here.
La Pine qualifies. This part of Oregon, Central Oregon, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Can you get a USDA mortgage in Lafayette, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Lake Oswego, Oregon proper is inside the ineligible zone, but a USDA loan is alive and well just beyond the metro line: Canby, Estacada, and Molalla all qualify with zero down. The boundary is the verdict, not the address, we check exact locations for free.
Lakeside, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Lakeview as eligible ground. Buying a home in Lakeview, Oregon can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
Is Lebanon USDA-eligible? It is, along with the Linn County countryside around it, and a rural housing loan works in this corner of Oregon.
Lexington is open for USDA financing here in Oregon. Homes in the Columbia Basin fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Lincoln City, Oregon? Good news, Lincoln City sits in USDA-eligible territory, no money down included.
Homes in Lonerock, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies.
Long Creek checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
A USDA mortgage works in Lostine, Oregon, the whole area in Wallowa County high country is inside eligible territory.
First-time buyers in Lowell, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a Rural Development loan in Lyons, Oregon. Lyons and the Linn County area around it sit inside USDA-eligible territory, and zero down applies here.
Madras qualifies. This part of Oregon, Central Oregon, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Malin, Oregon? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Manzanita, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Maupin as eligible ground. Buying a home in Maupin, Oregon can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Maywood Park sits inside the Portland, Oregon area ineligible zone. The eligible ring for a USDA mortgage starts out toward Sandy, Estacada, and Canby. If you are shopping the edges of the metro, send us the address and we will map it for you.
Is McMinnville USDA-eligible? It is, along with the Yamhill County countryside around it, and a USDA home loan works in this corner of Oregon.
Most of Medford, Oregon is inside the ineligible area, but genuinely not all of it, parts near the boundary check out as eligible. Eagle Point, Jacksonville, Phoenix, Talent, and Ashland all qualify for USDA home loans. A Medford address is not a verdict, the map line is, we will check yours for free.
Merrill is open for USDA financing here in Oregon. Homes in south-central Oregon fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Metolius, Oregon? Good news, Metolius sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Mill City, Oregon fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Millersburg checks out. On the current USDA eligibility map this Oregon town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
USDA home financing works in Milton-Freewater, Oregon, the whole area in the Columbia Basin is inside eligible territory.
Incorporated Milwaukie, Oregon is inside the ineligible area, but a USDA mortgage works just beyond the metro edge: Canby, Molalla, and Estacada are all eligible. The line follows the boundary, not the ZIP code. Send an address and we will confirm in minutes.
First-time buyers in Mitchell, Oregon often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Molalla, Oregon. Molalla and the Clackamas County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Monmouth qualifies. This part of Oregon, the Willamette Valley, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Monroe, Oregon? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Monument, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Moro as eligible ground. Buying a home in Moro, Oregon can pencil with a Rural Development loan and zero down.
Is Mosier USDA-eligible? It is, along with the Wasco County countryside around it, and a rural housing loan works in this corner of Oregon. We check exact addresses for free.
Mt. Angel is open for USDA financing here in Oregon. Homes here in Oregon fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Mt. Vernon, Oregon? Good news, Mt. Vernon sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Myrtle Creek, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies.
Myrtle Point checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Nehalem, Oregon, the whole area on the north Oregon coast is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Newberg, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Newport, Oregon. Newport and the Lincoln County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
North Bend qualifies. This part of Oregon, on the south Oregon coast, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in North Plains, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
North Powder, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Nyssa as eligible ground. Buying a home in Nyssa, Oregon can pencil with a USDA loan and zero down.
Is Oakland USDA-eligible? It is, along with the Douglas County countryside around it, and a USDA home loan works in this corner of Oregon. We check exact addresses for free.
Oakridge is open for USDA financing here in Oregon. Homes in the southern Willamette Valley fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Ontario, Oregon? Good news, Ontario sits in USDA-eligible territory, no money down included.
Oregon City inside city limits is ineligible, but this is boundary country: Canby, Molalla, and Estacada minutes away are all USDA loan territory, and rural addresses just outside the city line can qualify too. We check exact addresses for free.
Homes in Paisley, Oregon fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
Pendleton checks out. On the current USDA eligibility map this Oregon town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Philomath, Oregon, the whole area in the mid-Willamette Valley is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Phoenix, Oregon often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Pilot Rock, Oregon. Pilot Rock and the Umatilla County area around it sit inside USDA-eligible territory, and zero down applies here.
Port Orford qualifies. This part of Oregon, on the south Oregon coast, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Portland proper and most of the close-in metro sit inside the ineligible zone, the one real exclusion in Oregon. But the eligible ring is closer than people think: Canby, Sandy, Estacada, Molalla, North Plains, Banks, Scappoose, and St. Helens are all USDA loan territory. If a Portland-area address sits outside the urban boundary, send it over and we will check it in minutes.
Can you get a USDA mortgage in Powers, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Prairie City, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Prescott as eligible ground. Buying a home in Prescott, Oregon can pencil with a Rural Development loan and zero down.
Is Prineville USDA-eligible? It is, along with the Crook County countryside around it, and a rural housing loan works in this corner of Oregon.
Rainier is open for USDA financing here in Oregon. Homes along the lower Columbia River fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Redmond, Oregon? Good news, Redmond sits in USDA-eligible territory, no money down included.
Homes in Reedsport, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Richland checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Riddle, Oregon, the whole area in the Umpqua Valley is inside eligible territory.
Rivergrove, Oregon is inside the ineligible area on the current map. Close by, Canby and Newberg are both eligible for a USDA home loan with zero down. If you are shopping near the edge of the metro, send us the address.
First-time buyers in Rockaway Beach, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a Rural Development loan in Rogue River, Oregon. Rogue River and the Jackson County area around it sit inside USDA-eligible territory, and zero down applies here.
Roseburg qualifies. This part of Oregon, the Umpqua Valley, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Can you get USDA home financing in Rufus, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Salem, Oregon inside city limits is ineligible, but plenty of homes with Salem addresses sit outside the incorporated boundary and finance fine with a USDA loan. Silverton, Stayton, Dallas, Monmouth, Independence, and Woodburn are all eligible too. Send us the address and we will tell you straight.
Sandy, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Scappoose as eligible ground. Buying a home in Scappoose, Oregon can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Is Scio USDA-eligible? It is, along with the Linn County countryside around it, and a USDA home loan works in this corner of Oregon.
Scotts Mills is open for USDA financing here in Oregon. Homes in the Willamette Valley fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Seaside, Oregon? Good news, Seaside sits in USDA-eligible territory, no money down included.
Homes in Seneca, Oregon fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Shady Cove checks out. On the current USDA eligibility map this Oregon town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
USDA home financing works in Shaniko, Oregon, the whole area in the Columbia River Gorge area is inside eligible territory.
First-time buyers in Sheridan, Oregon often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Most of Sherwood, Oregon sits inside the ineligible zone, but edges matter here, and the Yamhill County side of the neighborhood is wide open: Newberg, Gaston, and Yamhill all qualify for USDA loans. A Sherwood address near the boundary is worth checking, ask us.
Yes, you can get a USDA loan in Siletz, Oregon. Siletz and the Lincoln County area around it sit inside USDA-eligible territory, and zero down applies here.
Silverton qualifies. This part of Oregon, the Willamette Valley, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Sisters, Oregon? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Sodaville, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Spray as eligible ground. Buying a home in Spray, Oregon can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
Most of Springfield, Oregon proper sits inside the ineligible zone, but not all of it, and the eligible country starts fast heading out of town: Coburg, Creswell, and Cottage Grove are all USDA loan territory. A Springfield address outside the boundary can qualify, worth a quick check, ask us.
Is St. Helens USDA-eligible? It is, along with the Columbia County countryside around it, and a rural housing loan works in this corner of Oregon.
St. Paul is open for USDA financing here in Oregon. Homes in the Willamette Valley fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Stanfield, Oregon? Good news, Stanfield sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Stayton, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies.
Sublimity checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
A USDA mortgage works in Summerville, Oregon, the whole area in the Grande Ronde Valley is inside eligible territory.
First-time buyers in Sumpter, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Sutherlin, Oregon. Sutherlin and the Douglas County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Sweet Home qualifies. This part of Oregon, the mid-Willamette Valley, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Talent, Oregon? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Tangent, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows The Dalles as eligible ground. Buying a home in The Dalles, Oregon can pencil with a USDA loan and zero down.
Incorporated Tigard, Oregon sits inside the ineligible area, but eligible ground is a short drive southwest: Newberg and the wine-country towns beyond it qualify for USDA home financing. USDA’s own map line decides, not the ZIP code, and we check exact addresses for free.
Is Tillamook USDA-eligible? It is, along with the Tillamook County countryside around it, and a USDA home loan works in this corner of Oregon. We check exact addresses for free.
Toledo is open for USDA financing here in Oregon. Homes on the central Oregon coast fall within the eligible area, and a USDA mortgage can come with 100% financing.
Troutdale, Oregon city limits fall inside the ineligible area, but the eligible country starts just up the road: Sandy and Estacada both qualify for USDA financing. A Troutdale mailing address outside the boundary is worth a check, send it over.
Tualatin, Oregon city limits are inside the ineligible zone, but Newberg and Canby nearby are fully eligible for a Rural Development loan with no down payment. Addresses just outside the boundary can qualify too, worth a quick check before assuming anything.
Looking for a rural home loan around Turner, Oregon? Good news, Turner sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Ukiah, Oregon fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Umatilla checks out. On the current USDA eligibility map this Oregon town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Union, Oregon, the whole area in the Grande Ronde Valley is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Unity, Oregon often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Vale, Oregon. Vale and the Malheur County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Veneta qualifies. This part of Oregon, the southern Willamette Valley, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Vernonia, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Waldport, Oregon is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Wallowa as eligible ground. Buying a home in Wallowa, Oregon can pencil with a Rural Development loan and zero down.
Is Warrenton USDA-eligible? It is, along with the Clatsop County countryside around it, and a rural housing loan works in this corner of Oregon. We check exact addresses for free.
Wasco is open for USDA financing here in Oregon. Homes in the Columbia Plateau wheat country fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Waterloo, Oregon? Good news, Waterloo sits in USDA-eligible territory, no money down included.
Incorporated West Linn, Oregon is ineligible on the current map, but Canby, Molalla, and Estacada just south are fully open for USDA home loans. Plenty of rural Clackamas County carries city mailing addresses and still qualifies. Send us the address and we will tell you straight.
Homes in Westfir, Oregon fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Weston checks out. On the current USDA eligibility map this Oregon town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Wheeler, Oregon, the whole area on the north Oregon coast is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Willamina, Oregon often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Wilsonville, Oregon city limits are ineligible, but you are surrounded by yes: Canby, Newberg, Woodburn, Aurora, and Donald all qualify for USDA loans. Rural addresses with a Wilsonville ZIP can fall outside the boundary and work fine. We check exact addresses for free.
Yes, you can get a Rural Development loan in Winston, Oregon. Winston and the Douglas County area around it sit inside USDA-eligible territory, and zero down applies here.
Wood Village, Oregon proper is inside the ineligible area, but eligibility follows the boundary line, not the mailing address. Sandy and Estacada nearby are open for USDA Rural Development loans. Two minutes with an address and we will know for sure.
Woodburn qualifies. This part of Oregon, the Willamette Valley, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Can you get USDA home financing in Yachats, Oregon? Yes. The town sits inside the eligible area on the current USDA map.
Yamhill, Oregon is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Yoncalla as eligible ground. Buying a home in Yoncalla, Oregon can pencil with a USDA loan and zero down.
Your town isn’t on our exceptions list, and in Oregon that’s usually good news, the ineligible zones are only the major metro cores. Odds are strong it’s USDA territory. Send us the address and we’ll confirm it in minutes.
Answers describe the incorporated city area on the current USDA map. Outside the city, or unincorporated with a city mailing address? Odds improve. The final word is the exact address, which we check for free.
Washington
Of Washington’s 281 incorporated cities, 201 are fully USDA-eligible. The big exclusion is the Seattle-Everett-Tacoma corridor, plus Spokane, Vancouver, Bellingham, Olympia, Yakima’s core, the Tri-Cities cores, and Wenatchee. Outside those corridors, the state is wide open.
Same fine print as everywhere, and it matters most here: those metro cities are excluded per se, but a Spokane, Vancouver, or Yakima name in your mailing address does not mean you’re inside the exclusion. USDA’s lines are its own, they follow neither ZIP codes nor what your mail says, and homes with big-city addresses sit outside them all over the state. If your address says one of those cities but you’re out past the edge, check with us before assuming anything, that check takes minutes and it goes your way more often than you’d think.
The Seattle-area ring is the one that shocks people: Gig Harbor, Bonney Lake, Orting, Buckley, Eatonville, DuPont, and Roy on the Pierce County side; North Bend, Snoqualmie, Duvall, Carnation, and Enumclaw in King County; Arlington, Stanwood, Granite Falls, and Sultan in Snohomish County. Real commuter towns, all eligible, all zero down. And the one almost nobody believes: nearly all of Bainbridge Island qualifies, a ferry ride from downtown Seattle. Pair that with the Seattle-metro income limit of $236,350 for a larger household and you can see why we say this program is wildly underused here. Around Spokane: Deer Park, Medical Lake, and Cheney. Around Vancouver: Ridgefield, La Center, Yacolt, and Woodland. Around Bellingham: Lynden, Ferndale, Blaine, and Everson. The Kitsap Peninsula, Poulsbo and Port Orchard included, is remarkably open. Walla Walla, Ellensburg, Port Angeles, Sequim, Moses Lake, Pullman: eligible.
Yes, you can get a USDA loan in Aberdeen, Washington. Aberdeen and the Grays Harbor County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Most of Airway Heights, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and Deer Park, Medical Lake, and Cheney nearby are fully eligible for a USDA loan. A Airway Heights address decides nothing, USDA’s own map line does. Send us the address and we will confirm it in minutes.
Albion qualifies. This part of Washington, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Algona, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Buckley, Bonney Lake, and Orting all qualify for USDA financing. We check exact addresses for free.
Can you get a USDA mortgage in Almira, Washington? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Anacortes, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Arlington as eligible ground. Buying a home in Arlington, Washington can pencil with a Rural Development loan and zero down.
Is Asotin USDA-eligible? It is, along with the open country around it, and a rural housing loan works in this corner of Washington. We check exact addresses for free.
The incorporated city of Auburn, Washington is inside the exclusion, but Enumclaw, Buckley, and Bonney Lake nearby are USDA-eligible, 100% financing included. A Auburn-area address outside city limits can qualify too. Worth a quick address check before assuming anything, just ask us.
Here is one almost nobody believes: nearly all of Bainbridge Island, Washington is USDA-eligible on the current map, a ferry ride from downtown Seattle with zero down financing on the table. Only a small slice of the island is excluded. Send us the address and we will confirm it in minutes.
Most of Battle Ground, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and La Center, Yacolt, and Woodland nearby are fully eligible for a USDA Rural Development loan. A Battle Ground address decides nothing, USDA’s own map line does. Two minutes with the address and you will know for sure.
Beaux Arts Village, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Duvall, Carnation, and North Bend all qualify for USDA financing. Send us the address and we will confirm it in minutes.
Bellevue, Washington and the Eastside cities around it are inside the ineligible zone, but the line runs closer than people think: Duvall, Carnation, North Bend, and Snoqualmie, all genuine Eastside commutes, are fully eligible for USDA home loans. USDA’s own map line decides, not the ZIP code. We check exact addresses for free.
Bellingham, Washington proper sits inside the exclusion, but Whatcom County beyond it is USDA territory: Lynden, Ferndale, Blaine, and Everson are all eligible, zero down included. A Bellingham-area address outside city limits can qualify, we will check yours for free.
Benton City is open for USDA financing here in Washington. Homes in the Tri-Cities country fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Bingen, Washington? Good news, Bingen sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Black Diamond, Washington is split nearly down the middle by the USDA boundary, part of town is eligible and part is not. Enumclaw and Buckley next door are fully open for USDA Rural Development loans. Two minutes with your exact address and we will know which side of the line you are on.
Homes in Blaine, Washington fall inside the USDA-approved area, so USDA loan with zero down applies.
Bonney Lake checks out. On the current USDA eligibility map this Washington town is eligible, and a USDA home loan is a real option here.
The incorporated city of Bothell, Washington is inside the exclusion, but Carnation, North Bend, and Snoqualmie nearby are USDA-eligible, no down payment included. A Bothell-area address outside city limits can qualify too. We check exact addresses for free.
Bremerton, Washington city limits are inside the ineligible zone, but the Kitsap Peninsula around it is remarkably open: Poulsbo, Port Orchard, and nearly all of Bainbridge Island qualify for USDA home loans. USDA draws its own eligibility lines, and they don’t follow ZIP codes, we check exact addresses for free.
A USDA mortgage works in Brewster, Washington, the whole area here in Washington is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Bridgeport, Washington often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Incorporated Brier, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Arlington, Stanwood, Granite Falls, and Sultan are all open for USDA home financing with 100% financing. Worth a quick address check before assuming anything, just ask us.
Yes, you can get a Rural Development loan in Buckley, Washington. Buckley and the Pierce County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Bucoda qualifies. This part of Washington, like most of the state, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Burien, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Carnation, North Bend, and Snoqualmie all qualify for USDA financing. Two minutes with the address and you will know for sure.
Can you get USDA home financing in Burlington, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Most of Camas, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and Ridgefield, La Center, and Yacolt nearby are fully eligible for a USDA loan. A Camas address decides nothing, USDA’s own map line does. Send us the address and we will confirm it in minutes.
Carbonado, Washington is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Carnation as eligible ground. Buying a home in Carnation, Washington can pencil with a USDA loan and zero down.
Is Cashmere USDA-eligible? It is, along with the Chelan County countryside around it, and a USDA home loan works in this corner of Washington. We check exact addresses for free.
Castle Rock is open for USDA financing here in Washington. Homes in southwest Washington fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Cathlamet, Washington? Good news, Cathlamet sits in USDA-eligible territory, no money down included.
Homes in Centralia, Washington fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
Chehalis checks out. On the current USDA eligibility map this Washington town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Chelan, Washington, the whole area in the Wenatchee Valley is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Cheney, Washington often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Chewelah, Washington. Chewelah and the Stevens County area around it sit inside USDA-eligible territory, and zero down applies here.
Clarkston qualifies. This part of Washington, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Can you get a USDA mortgage in Cle Elum, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Incorporated Clyde Hill, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Carnation, North Bend, Snoqualmie, and Duvall are all open for USDA home loans with no down payment. We check exact addresses for free.
Colfax, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows College Place as eligible ground. Buying a home in College Place, Washington can pencil with a Rural Development loan and zero down.
Is Colton USDA-eligible? It is, along with the open country around it, and a rural housing loan works in this corner of Washington.
Colville is open for USDA financing here in Washington. Homes in northeast Washington fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Conconully, Washington? Good news, Conconully sits in USDA-eligible territory, no money down included.
Homes in Concrete, Washington fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Connell checks out. On the current USDA eligibility map this Washington town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Cosmopolis, Washington, the whole area on the Washington coast is inside eligible territory.
First-time buyers in Coulee City, Washington often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a Rural Development loan in Coulee Dam, Washington. Coulee Dam and the countryside around it sit inside USDA-eligible territory, and zero down applies here.
Coupeville qualifies. This part of Washington, like most of the state, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Covington, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Enumclaw, Buckley, and Bonney Lake all qualify for USDA financing. Worth a quick address check before assuming anything, just ask us.
Can you get USDA home financing in Creston, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Cusick, Washington is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Darrington as eligible ground. Buying a home in Darrington, Washington can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Is Davenport USDA-eligible? It is, along with the Lincoln County countryside around it, and a USDA home loan works in this corner of Washington.
Dayton is open for USDA financing here in Washington. Homes in southeast Washington fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Deer Park, Washington? Good news, Deer Park sits in USDA-eligible territory, no money down included.
The incorporated city of Des Moines, Washington is inside the exclusion, but Carnation, North Bend, and Snoqualmie nearby are USDA-eligible, no money down included. A Des Moines-area address outside city limits can qualify too. Two minutes with the address and you will know for sure.
Homes in DuPont, Washington fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Duvall checks out. On the current USDA eligibility map this Washington town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
USDA home financing works in East Wenatchee, Washington, the whole area in the Wenatchee Valley is inside eligible territory.
First-time buyers in Eatonville, Washington often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Incorporated Edgewood, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Enumclaw, Buckley, Bonney Lake, and Orting are all open for Rural Development loans with zero down. Send us the address and we will confirm it in minutes.
Edmonds, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Stanwood, Granite Falls, and Sultan all qualify for USDA financing. We check exact addresses for free.
Yes, you can get a USDA loan in Electric City, Washington. Electric City and the countryside around it sit inside USDA-eligible territory, and zero down applies here.
Ellensburg qualifies. This part of Washington, the Kittitas Valley, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Elma, Washington? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Elmer City, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Endicott as eligible ground. Buying a home in Endicott, Washington can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
Is Entiat USDA-eligible? It is, along with the Chelan County countryside around it, and a rural housing loan works in this corner of Washington.
Enumclaw is open for USDA financing here in Washington. Homes in the Cascade foothills east of Seattle fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Ephrata, Washington? Good news, Ephrata sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Everett, Washington sits almost entirely inside the ineligible corridor. The good news starts just up the road: Arlington, Stanwood, Granite Falls, and Sultan are all fully eligible for USDA Rural Development loans. Two minutes with an address and you will know for sure.
Homes in Everson, Washington fall inside the USDA-approved area, so USDA loan with zero down applies.
Fairfield checks out. On the current USDA eligibility map this Washington town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
A USDA mortgage works in Farmington, Washington, the whole area here in Washington is inside eligible territory.
The incorporated city of Federal Way, Washington is inside the exclusion, but Enumclaw, Buckley, and Bonney Lake nearby are USDA-eligible, 100% financing included. A Federal Way-area address outside city limits can qualify too. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Ferndale, Washington often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Incorporated Fife, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Buckley, Bonney Lake, Orting, and Enumclaw are all open for USDA house loans with no money down. Two minutes with the address and you will know for sure.
Fircrest, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Gig Harbor, Eatonville, and Roy all qualify for USDA financing. Send us the address and we will confirm it in minutes.
Yes, you can get a Rural Development loan in Forks, Washington. Forks and the Clallam County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Friday Harbor qualifies. This part of Washington, like most of the state, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Garfield, Washington? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
George, Washington is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Gig Harbor as eligible ground. Buying a home in Gig Harbor, Washington can pencil with a USDA loan and zero down.
Is Gold Bar USDA-eligible? It is, along with the Snohomish County countryside around it, and a USDA home loan works in this corner of Washington. We check exact addresses for free.
Goldendale is open for USDA financing here in Washington. Homes in the Columbia River Gorge country fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Grand Coulee, Washington? Good news, Grand Coulee sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Grandview, Washington fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Granger checks out. On the current USDA eligibility map this Washington town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Granite Falls, Washington, the whole area in the Snohomish County countryside is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Hamilton, Washington often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Harrah, Washington. Harrah and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Harrington qualifies. This part of Washington, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Hartline, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Hatton, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Hoquiam as eligible ground. Buying a home in Hoquiam, Washington can pencil with a Rural Development loan and zero down.
The incorporated city of Hunts Point, Washington is inside the exclusion, but Carnation, North Bend, and Snoqualmie nearby are USDA-eligible, no down payment included. A Hunts Point-area address outside city limits can qualify too. We check exact addresses for free.
Is Ilwaco USDA-eligible? It is, along with the Pacific County countryside around it, and a rural housing loan works in this corner of Washington. We check exact addresses for free.
Index is open for USDA financing here in Washington. Homes here in Washington fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Ione, Washington? Good news, Ione sits in USDA-eligible territory, no money down included.
Incorporated Issaquah, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Duvall, Carnation, North Bend, and Snoqualmie are all open for USDA mortgages with 100% financing. Worth a quick address check before assuming anything, just ask us.
Homes in Kahlotus, Washington fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Kalama checks out. On the current USDA eligibility map this Washington town is eligible, and a USDA home loan is a real option here.
Kelso, Washington sits almost entirely inside the ineligible zone along with Longview next door, but Cowlitz County beyond them is open: Castle Rock, Kalama, Woodland, and Winlock all qualify for USDA financing with zero down. Send us an address and we will tell you straight.
Kenmore, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Carnation, North Bend, and Snoqualmie all qualify for USDA financing. Two minutes with the address and you will know for sure.
Kennewick, Washington is mostly inside the ineligible area, though a few edges fall outside it. Around the Tri-Cities, Benton City, Prosser, and Connell are fully eligible for USDA loans with zero down. A Kennewick address is not a verdict, the map line is, we check exact addresses for free.
The incorporated city of Kent, Washington is inside the exclusion, but Enumclaw, Buckley, and Bonney Lake nearby are USDA-eligible, zero down included. A Kent-area address outside city limits can qualify too. Send us the address and we will confirm it in minutes.
A USDA mortgage works in Kettle Falls, Washington, the whole area in northeast Washington is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
Incorporated Kirkland, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Carnation, North Bend, Snoqualmie, and Duvall are all open for rural housing loans with no down payment. We check exact addresses for free.
First-time buyers in Kittitas, Washington often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Krupp, Washington. Krupp and the countryside around it sit inside USDA-eligible territory, and zero down applies here.
La Center qualifies. This part of Washington, southwest Washington, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Can you get USDA home financing in La Conner, Washington? Yes. The town sits inside the eligible area on the current USDA map.
LaCrosse, Washington is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
Lacey, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Yelm, Tenino, and Rainier all qualify for USDA financing. Worth a quick address check before assuming anything, just ask us.
The incorporated city of Lake Forest Park, Washington is inside the exclusion, but Carnation, North Bend, and Snoqualmie nearby are USDA-eligible, no money down included. A Lake Forest Park-area address outside city limits can qualify too. Two minutes with the address and you will know for sure.
Most of Lake Stevens, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and Arlington, Stanwood, and Granite Falls nearby are fully eligible for a USDA loan. A Lake Stevens address decides nothing, USDA’s own map line does. Send us the address and we will confirm it in minutes.
Lakewood, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Eatonville, Roy, and DuPont all qualify for USDA financing. We check exact addresses for free.
The current eligibility map shows Lamont as eligible ground. Buying a home in Lamont, Washington can pencil with a USDA loan and zero down.
Is Langley USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Washington.
Latah is open for USDA financing here in Washington. Homes here in Washington fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Leavenworth, Washington? Good news, Leavenworth sits in USDA-eligible territory, no money down included.
Liberty Lake, Washington is split roughly in half by the USDA boundary, so the exact address is everything here. Deer Park, Medical Lake, and Cheney in the Spokane country are fully eligible for a USDA loan with no down payment. Send the address, we check for free.
Homes in Lind, Washington fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
Long Beach checks out. On the current USDA eligibility map this Washington town is eligible, and a rural housing loan is a real option here.
The incorporated city of Longview, Washington is inside the exclusion, but Castle Rock, Kalama, and Woodland nearby are USDA-eligible, 100% financing included. A Longview-area address outside city limits can qualify too. Worth a quick address check before assuming anything, just ask us.
USDA home financing works in Lyman, Washington, the whole area here in Washington is inside eligible territory.
First-time buyers in Lynden, Washington often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Incorporated Lynnwood, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Stanwood, Granite Falls, Sultan, and Arlington are all open for USDA Rural Development loans with no money down. Two minutes with the address and you will know for sure.
Yes, you can get a USDA loan in Mabton, Washington. Mabton and the Yakima County area around it sit inside USDA-eligible territory, and zero down applies here.
Malden qualifies. This part of Washington, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Can you get a USDA mortgage in Mansfield, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Most of Maple Valley, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and Enumclaw, Buckley, and Bonney Lake nearby are fully eligible for a Rural Development loan. A Maple Valley address decides nothing, USDA’s own map line does. Send us the address and we will confirm it in minutes.
Marcus, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The incorporated city of Marysville, Washington is inside the exclusion, but Stanwood, Granite Falls, and Sultan nearby are USDA-eligible, no down payment included. A Marysville-area address outside city limits can qualify too. We check exact addresses for free.
The current eligibility map shows Mattawa as eligible ground. Buying a home in Mattawa, Washington can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
Is McCleary USDA-eligible? It is, along with the open country around it, and a rural housing loan works in this corner of Washington.
Medical Lake is open for USDA financing here in Washington. Homes in the Inland Northwest fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Incorporated Medina, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Duvall, Carnation, North Bend, and Snoqualmie are all open for USDA home financing with 100% financing. Worth a quick address check before assuming anything, just ask us.
Mercer Island, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Carnation, North Bend, and Snoqualmie all qualify for USDA financing. Two minutes with the address and you will know for sure.
Looking for a rural home loan around Mesa, Washington? Good news, Mesa sits in USDA-eligible territory, no money down included.
Homes in Metaline, Washington fall inside the USDA-approved area, so USDA loan with zero down applies.
Metaline Falls checks out. On the current USDA eligibility map this Washington town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
The incorporated city of Mill Creek, Washington is inside the exclusion, but Arlington, Stanwood, and Granite Falls nearby are USDA-eligible, zero down included. A Mill Creek-area address outside city limits can qualify too. Send us the address and we will confirm it in minutes.
Incorporated Millwood, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Deer Park, Medical Lake, and Cheney are all open for USDA home loans with no down payment. We check exact addresses for free.
Milton, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Enumclaw, Buckley, and Bonney Lake all qualify for USDA financing. Worth a quick address check before assuming anything, just ask us.
Most of Monroe, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and Stanwood, Granite Falls, and Sultan nearby are fully eligible for a USDA Rural Development loan. A Monroe address decides nothing, USDA’s own map line does. Two minutes with the address and you will know for sure.
A USDA mortgage works in Montesano, Washington, the whole area on the Washington coast is inside eligible territory.
First-time buyers in Morton, Washington often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a Rural Development loan in Moses Lake, Washington. Moses Lake and the Grant County area around it sit inside USDA-eligible territory, and zero down applies here.
Mossyrock qualifies. This part of Washington, like most of the state, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Mount Vernon, Washington proper is nearly all inside the ineligible area, but the Skagit Valley around it is wide open: Sedro-Woolley, Burlington, La Conner, and Concrete all qualify for USDA home loans. A Mount Vernon address outside the boundary can work too, worth a quick check, ask us.
Incorporated Mountlake Terrace, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Arlington, Stanwood, Granite Falls, and Sultan are all open for Rural Development loans with zero down. Send us the address and we will confirm it in minutes.
Can you get USDA home financing in Moxee, Washington? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Mukilteo, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Stanwood, Granite Falls, and Sultan all qualify for USDA financing. We check exact addresses for free.
Naches, Washington is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Napavine as eligible ground. Buying a home in Napavine, Washington can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Is Nespelem USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Washington.
The incorporated city of Newcastle, Washington is inside the exclusion, but Duvall, Carnation, and North Bend nearby are USDA-eligible, 100% financing included. A Newcastle-area address outside city limits can qualify too. Worth a quick address check before assuming anything, just ask us.
Newport is open for USDA financing here in Washington. Homes in northeast Washington fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Nooksack, Washington? Good news, Nooksack sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Incorporated Normandy Park, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Carnation, North Bend, Snoqualmie, and Duvall are all open for USDA house loans with no money down. Two minutes with the address and you will know for sure.
Homes in North Bend, Washington fall inside the USDA-approved area, so Rural Development loan with zero down applies.
North Bonneville checks out. On the current USDA eligibility map this Washington town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
USDA home financing works in Northport, Washington, the whole area here in Washington is inside eligible territory.
First-time buyers in Oak Harbor, Washington often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Oakesdale, Washington. Oakesdale and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Oakville qualifies. This part of Washington, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Ocean Shores, Washington? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Odessa, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Okanogan as eligible ground. Buying a home in Okanogan, Washington can pencil with a Rural Development loan and zero down.
Olympia, Washington inside city limits is ineligible, but the south Sound countryside is open: Yelm, Tenino, and Rainier all qualify for a USDA mortgage with no money down. Plenty of Olympia-addressed homes sit outside the boundary too, worth a quick check, ask us.
Is Omak USDA-eligible? It is, along with the Okanogan County countryside around it, and a rural housing loan works in this corner of Washington. We check exact addresses for free.
Oroville is open for USDA financing here in Washington. Homes here in Washington fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Orting, Washington? Good news, Orting sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Othello, Washington fall inside the USDA-approved area, so USDA loan with zero down applies.
Pacific, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Enumclaw, Buckley, and Bonney Lake all qualify for USDA financing. Send us the address and we will confirm it in minutes.
Palouse checks out. On the current USDA eligibility map this Washington town is eligible, and a USDA home loan is a real option here.
Most of Pasco, Washington sits inside the ineligible zone, but a real slice of the city checks out as eligible, and Connell, Benton City, and Prosser nearby are fully open for USDA financing. This is a check-your-exact-address town, and that check takes us minutes.
A USDA mortgage works in Pateros, Washington, the whole area here in Washington is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Pe Ell, Washington often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Pomeroy, Washington. Pomeroy and the Garfield County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Port Angeles qualifies. This part of Washington, on the Olympic Peninsula, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Port Orchard, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Port Townsend, Washington is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Poulsbo as eligible ground. Buying a home in Poulsbo, Washington can pencil with a USDA loan and zero down.
Is Prescott USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Washington. We check exact addresses for free.
Prosser is open for USDA financing here in Washington. Homes in the Tri-Cities country fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Pullman, Washington? Good news, Pullman sits in USDA-eligible territory, no money down included.
The incorporated city of Puyallup, Washington is inside the exclusion, but Buckley, Bonney Lake, and Orting nearby are USDA-eligible, no down payment included. A Puyallup-area address outside city limits can qualify too. We check exact addresses for free.
Homes in Quincy, Washington fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
Rainier checks out. On the current USDA eligibility map this Washington town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Raymond, Washington, the whole area on the southwest Washington coast is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Reardan, Washington often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Incorporated Redmond, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Duvall, Carnation, North Bend, and Snoqualmie are all open for USDA mortgages with 100% financing. Worth a quick address check before assuming anything, just ask us.
Renton, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Carnation, North Bend, and Snoqualmie all qualify for USDA financing. Two minutes with the address and you will know for sure.
Yes, you can get a USDA loan in Republic, Washington. Republic and the Ferry County area around it sit inside USDA-eligible territory, and zero down applies here.
Most of Richland, Washington is inside the ineligible area, but not all of it, some edges check out as eligible. Benton City and Prosser just out of town are fully open for a USDA home loan. A Richland address rules nothing out, send it over and we will tell you straight.
Ridgefield qualifies. This part of Washington, southwest Washington, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Can you get a USDA mortgage in Ritzville, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Riverside, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Rock Island as eligible ground. Buying a home in Rock Island, Washington can pencil with a Rural Development loan and zero down.
Is Rockford USDA-eligible? It is, along with the Spokane County countryside around it, and a rural housing loan works in this corner of Washington.
Rosalia is open for USDA financing here in Washington. Homes on the Palouse fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Roslyn, Washington? Good news, Roslyn sits in USDA-eligible territory, no money down included.
Homes in Roy, Washington fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Royal City checks out. On the current USDA eligibility map this Washington town is eligible, and a USDA home loan is a real option here.
The incorporated city of Ruston, Washington is inside the exclusion, but Gig Harbor, Eatonville, and Roy nearby are USDA-eligible, zero down included. A Ruston-area address outside city limits can qualify too. Send us the address and we will confirm it in minutes.
Incorporated Sammamish, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Carnation, North Bend, Snoqualmie, and Duvall are all open for rural housing loans with no down payment. We check exact addresses for free.
SeaTac, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Duvall, Carnation, and North Bend all qualify for USDA financing. Worth a quick address check before assuming anything, just ask us.
Seattle proper and the whole Seattle-Everett-Tacoma corridor sit inside the ineligible zone, the biggest exclusion in Washington. But the eligible ring is startling once you see it: North Bend, Snoqualmie, Duvall, Carnation, Gig Harbor, Arlington, and Stanwood are all USDA loan territory, real commuter towns with zero down on the table. Send us any address and we will check it in minutes.
A USDA mortgage works in Sedro-Woolley, Washington, the whole area in the Skagit Valley is inside eligible territory.
First-time buyers in Selah, Washington often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a Rural Development loan in Sequim, Washington. Sequim and the Clallam County area around it sit inside USDA-eligible territory, and zero down applies here.
Shelton qualifies. This part of Washington, on the south Olympic Peninsula, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
The incorporated city of Shoreline, Washington is inside the exclusion, but Carnation, North Bend, and Snoqualmie nearby are USDA-eligible, no money down included. A Shoreline-area address outside city limits can qualify too. Two minutes with the address and you will know for sure.
Can you get USDA home financing in Skykomish, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Snohomish, Washington is genuinely split by the boundary, and most of the city actually checks out as eligible on the current map. This is the definition of a check-your-exact-address town, and that check takes us minutes. Sultan, Granite Falls, and Arlington nearby are fully eligible too.
Snoqualmie, Washington is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Soap Lake as eligible ground. Buying a home in Soap Lake, Washington can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Is South Bend USDA-eligible? It is, along with the Pacific County countryside around it, and a USDA home loan works in this corner of Washington.
South Cle Elum is open for USDA financing here in Washington. Homes here in Washington fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around South Prairie, Washington? Good news, South Prairie sits in USDA-eligible territory, no money down included.
Homes in Spangle, Washington fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Spokane, Washington city limits are inside the ineligible area, but the Inland Northwest around the city is wide open: Deer Park, Medical Lake, and Cheney all qualify for USDA financing with zero down. A Spokane-area address outside the boundary can qualify too, we check exact addresses for free.
Incorporated Spokane Valley, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Deer Park, Medical Lake, and Cheney are all open for USDA loans with zero down. Send us the address and we will confirm it in minutes.
Sprague checks out. On the current USDA eligibility map this Washington town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
USDA home financing works in Springdale, Washington, the whole area here in Washington is inside eligible territory.
First-time buyers in St. John, Washington often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a USDA loan in Stanwood, Washington. Stanwood and the Snohomish County area around it sit inside USDA-eligible territory, and zero down applies here.
Starbuck qualifies. This part of Washington, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Steilacoom, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Eatonville, Roy, and DuPont all qualify for USDA financing. We check exact addresses for free.
Can you get a USDA mortgage in Stevenson, Washington? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Sultan, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Sumas as eligible ground. Buying a home in Sumas, Washington can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
The incorporated city of Sumner, Washington is inside the exclusion, but Enumclaw, Buckley, and Bonney Lake nearby are USDA-eligible, 100% financing included. A Sumner-area address outside city limits can qualify too. Worth a quick address check before assuming anything, just ask us.
Is Sunnyside USDA-eligible? It is, along with the Yakima County countryside around it, and a rural housing loan works in this corner of Washington.
Tacoma, Washington proper is inside the exclusion, but Pierce County turns into USDA country fast: Gig Harbor, Orting, Bonney Lake, Buckley, Eatonville, Roy, and DuPont all qualify with no down payment. A Tacoma-area address outside the city can work too, send it over.
Tekoa is open for USDA financing here in Washington. Homes on the Palouse fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Tenino, Washington? Good news, Tenino sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Tieton, Washington fall inside the USDA-approved area, so USDA loan with zero down applies.
Toledo checks out. On the current USDA eligibility map this Washington town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
A USDA mortgage works in Tonasket, Washington, the whole area in the Okanogan country is inside eligible territory.
First-time buyers in Toppenish, Washington often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Incorporated Tukwila, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Carnation, North Bend, Snoqualmie, and Duvall are all open for USDA Rural Development loans with no money down. Two minutes with the address and you will know for sure.
Most of Tumwater, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and Yelm, Tenino, and Rainier nearby are fully eligible for a Rural Development loan. A Tumwater address decides nothing, USDA’s own map line does. Send us the address and we will confirm it in minutes.
Yes, you can get a Rural Development loan in Twisp, Washington. Twisp and the Okanogan County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Union Gap, Washington is genuinely split by the USDA boundary, part of town is eligible and part is not, so the exact address is everything. Moxee, Naches, and Zillah nearby are fully eligible too. We check exact addresses for free.
Uniontown qualifies. This part of Washington, like most of the state, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Incorporated University Place, Washington sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Gig Harbor, Eatonville, Roy, and DuPont are all open for USDA home financing with 100% financing. Worth a quick address check before assuming anything, just ask us.
Can you get USDA home financing in Vader, Washington? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Vancouver, Washington proper is inside the ineligible zone, but Clark County is full of eligible ground: Ridgefield, La Center, Yacolt, and Woodland all qualify for USDA home loans. USDA draws its own eligibility lines, and they don’t follow ZIP codes, send us an address and we will confirm it.
Waitsburg, Washington is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Walla Walla as eligible ground. Buying a home in Walla Walla, Washington can pencil with a USDA loan and zero down.
Is Wapato USDA-eligible? It is, along with the Yakima County countryside around it, and a USDA home loan works in this corner of Washington. We check exact addresses for free.
Warden is open for USDA financing here in Washington. Homes in the Columbia Basin fall within the eligible area, and a USDA mortgage can come with 100% financing.
Most of Washougal, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and La Center, Yacolt, and Woodland nearby are fully eligible for a USDA house loan. A Washougal address decides nothing, USDA’s own map line does. Two minutes with the address and you will know for sure.
Looking for a rural home loan around Washtucna, Washington? Good news, Washtucna sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Waterville, Washington fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Waverly checks out. On the current USDA eligibility map this Washington town is eligible, and a rural housing loan is a real option here.
Wenatchee, Washington proper is almost entirely inside the exclusion, but the valley around it is open: East Wenatchee, Cashmere, Leavenworth, Chelan, and Entiat all qualify for a USDA home loan. A Wenatchee-area address outside the boundary can work, send it over.
Most of West Richland, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and Benton City, Prosser, and Connell nearby are fully eligible for a USDA loan. A West Richland address decides nothing, USDA’s own map line does. Send us the address and we will confirm it in minutes.
USDA home financing works in Westport, Washington, the whole area on the Washington coast is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in White Salmon, Washington often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Wilbur, Washington. Wilbur and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Wilkeson qualifies. This part of Washington, the Pierce County countryside, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Wilson Creek, Washington? Yes. The town sits inside the eligible area on the current USDA map.
Winlock, Washington is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Winthrop as eligible ground. Buying a home in Winthrop, Washington can pencil with a Rural Development loan and zero down.
Most of Woodinville, Washington sits inside the ineligible zone, but not all of it, the edges matter here, and Carnation, North Bend, and Snoqualmie nearby are fully eligible for a USDA home loan. A Woodinville address decides nothing, USDA’s own map line does. We check exact addresses for free.
Is Woodland USDA-eligible? It is, along with the Cowlitz County countryside around it, and a rural housing loan works in this corner of Washington. We check exact addresses for free.
Woodway, Washington inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Arlington, Stanwood, and Granite Falls all qualify for USDA financing. Worth a quick address check before assuming anything, just ask us.
Yacolt is open for USDA financing here in Washington. Homes in southwest Washington fall within the eligible area, and USDA home financing can come with 100% financing.
Yakima, Washington city limits are inside the ineligible zone, but the Yakima Valley is wide open: Selah, Moxee, Naches, and Zillah all qualify for USDA home financing. The boundary decides, not the mailing address, send one over and we will check it.
The incorporated city of Yarrow Point, Washington is inside the exclusion, but Carnation, North Bend, and Snoqualmie nearby are USDA-eligible, no money down included. A Yarrow Point-area address outside city limits can qualify too. Two minutes with the address and you will know for sure.
Looking for a rural home loan around Yelm, Washington? Good news, Yelm sits in USDA-eligible territory, no money down included.
Homes in Zillah, Washington fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Your town isn’t on our exceptions list, and in Washington that’s usually good news, the ineligible zones are only the big metro corridors. Odds are strong it’s USDA territory. Send us the address and we’ll confirm it in minutes.
Answers describe the incorporated city area on the current USDA map. Outside the city, or unincorporated with a city mailing address? Odds improve. The final word is the exact address, which we check for free.
Colorado
Of Colorado’s 272 incorporated cities, 208 are fully USDA-eligible. The wall is the Front Range urban strip: Denver and its whole metro, Boulder, Longmont, Loveland, Fort Collins, Greeley, plus Colorado Springs’ core, Pueblo’s core, and Grand Junction.
And the same rule applies on the Front Range as everywhere else: those cities are out per se, but the surrounding areas are in, and a Fort Collins, Greeley, or Colorado Springs name in your address does not put you inside the exclusion. It’s the metro core that’s walled, not the countryside carrying the same mailing address around it. If your address wears one of those city names but you’re outside the boundary, that’s exactly the address we want to check for you.
The ring here might be the best story in any of our three states, because Colorado’s boom towns sit just outside the wall: nearly all of Timnath, Severance, Berthoud, Mead, Milliken, Fort Lupton, and Morrison check out as eligible, and Fruita next to Grand Junction is almost entirely open. Beyond them, Bennett, Hudson, Keenesburg, Kiowa, Elizabeth, and Larkspur ring Denver’s east and south; Ault, Eaton, Pierce, Nunn, Gilcrest, Platteville, and Kersey blanket Northern Colorado; Calhan, Ramah, Woodland Park, Green Mountain Falls, and Cripple Creek surround the Springs; Palisade, De Beque, and Collbran sit in the Grand Valley. And the entire rest of the state, the Western Slope, the mountain towns, the San Luis Valley, the Eastern Plains, is USDA territory.
Yes, you can get a USDA loan in Aguilar, Colorado. Aguilar and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Akron qualifies. This part of Colorado, on the Eastern Plains, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Alamosa, Colorado? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Alma, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Antonito as eligible ground. Buying a home in Antonito, Colorado can pencil with a Rural Development loan and zero down.
Is Arriba USDA-eligible? It is, along with the open country around it, and a rural housing loan works in this corner of Colorado. We check exact addresses for free.
Incorporated Arvada, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Larkspur, Bennett, and Elizabeth are all open for USDA loans with zero down. Send us the address and we will confirm it in minutes.
Aspen is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Ault, Colorado? Good news, Ault sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Aurora, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Hudson, Keenesburg, and Kiowa all qualify for USDA financing. We check exact addresses for free.
Homes in Avon, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies.
Basalt checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Bayfield, Colorado, the whole area in southwest Colorado is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Bennett, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Nearly all of Berthoud, Colorado checks out as USDA-eligible on the current map, only a small slice is excluded. A USDA mortgage with 100% financing is very much on the table here. Worth a quick address check before assuming anything, just ask us.
Yes, you can get a Rural Development loan in Bethune, Colorado. Bethune and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Black Hawk qualifies. This part of Colorado, like most of the state, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Blanca, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Blue River, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Bonanza as eligible ground. Buying a home in Bonanza, Colorado can pencil with a USDA loan and zero down.
Is Boone USDA-eligible? It is, along with the Pueblo County countryside around it, and a USDA home loan works in this corner of Colorado. We check exact addresses for free.
Boulder, Colorado and its neighboring cities sit inside the ineligible zone, but eligible ground is not far: nearly all of Berthoud checks out on the current map, and Hudson and Keenesburg out east are fully open for a USDA mortgage. USDA’s own map line decides, not the ZIP code, worth a quick address check, ask us.
Incorporated Bow Mar, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Larkspur, Elizabeth, and Kiowa are all open for USDA Rural Development loans with no money down. Two minutes with the address and you will know for sure.
Branson is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Breckenridge, Colorado? Good news, Breckenridge sits in USDA-eligible territory, no money down included.
Brighton, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Hudson, Keenesburg, and Kiowa all qualify for USDA financing. Send us the address and we will confirm it in minutes.
Homes in Brookside, Colorado fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
The incorporated city of Broomfield, Colorado is inside the exclusion, but Keenesburg, Kiowa, and Elizabeth nearby are USDA-eligible, no down payment included. A Broomfield-area address outside city limits can qualify too. We check exact addresses for free.
Brush checks out. On the current USDA eligibility map this Colorado town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Buena Vista, Colorado, the whole area in the upper Arkansas Valley is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Burlington, Colorado often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Calhan, Colorado. Calhan and the El Paso County area around it sit inside USDA-eligible territory, and zero down applies here.
Campo qualifies. This part of Colorado, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Can you get a USDA mortgage in Carbonate, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Carbondale, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
Incorporated Castle Pines, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Larkspur, Elizabeth, and Kiowa are all open for USDA home financing with 100% financing. Worth a quick address check before assuming anything, just ask us.
Castle Rock, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Larkspur, Elizabeth, and Kiowa all qualify for USDA financing. Two minutes with the address and you will know for sure.
The current eligibility map shows Cañon City as eligible ground. Buying a home in Cañon City, Colorado can pencil with a Rural Development loan and zero down.
Is Cedaredge USDA-eligible? It is, along with the Delta County countryside around it, and a rural housing loan works in this corner of Colorado.
The incorporated city of Centennial, Colorado is inside the exclusion, but Keenesburg, Kiowa, and Elizabeth nearby are USDA-eligible, zero down included. A Centennial-area address outside city limits can qualify too. Send us the address and we will confirm it in minutes.
Center is open for USDA financing here in Colorado. Homes in the San Luis Valley fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Central, Colorado? Good news, Central sits in USDA-eligible territory, no money down included.
Homes in Cheraw, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Incorporated Cherry Hills Village, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Larkspur, Elizabeth, and Kiowa are all open for USDA home loans with no down payment. We check exact addresses for free.
Cheyenne Wells checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in City of Creede, Colorado, the whole area here in Colorado is inside eligible territory.
First-time buyers in Coal Creek, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a Rural Development loan in Cokedale, Colorado. Cokedale and the countryside around it sit inside USDA-eligible territory, and zero down applies here.
Collbran qualifies. This part of Colorado, the Grand Valley on the Western Slope, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Nearly all of Colorado Springs proper is inside the ineligible zone, though a few edges fall outside it. The Pikes Peak country around the city is open: Calhan, Ramah, Woodland Park, Green Mountain Falls, and Cripple Creek all qualify for USDA home loans with zero down. A Springs address is not a verdict, the boundary is, we check for free.
Columbine Valley, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Larkspur, Elizabeth, and Kiowa all qualify for USDA financing. Worth a quick address check before assuming anything, just ask us.
The incorporated city of Commerce City, Colorado is inside the exclusion, but Keenesburg, Kiowa, and Elizabeth nearby are USDA-eligible, no money down included. A Commerce City-area address outside city limits can qualify too. Two minutes with the address and you will know for sure.
Can you get USDA home financing in Cortez, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Craig, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Crawford as eligible ground. Buying a home in Crawford, Colorado can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Is Crested Butte USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Colorado.
Crestone is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Cripple Creek, Colorado? Good news, Cripple Creek sits in USDA-eligible territory, no money down included.
Homes in Crook, Colorado fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Crowley checks out. On the current USDA eligibility map this Colorado town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
Most of Dacono, Colorado sits inside the ineligible zone, but not all of it, the edges matter here, and Bennett, Hudson, and Keenesburg nearby are fully eligible for a Rural Development loan. A Dacono address decides nothing, USDA’s own map line does. Send us the address and we will confirm it in minutes.
USDA home financing works in De Beque, Colorado, the whole area in the Grand Valley on the Western Slope is inside eligible territory.
First-time buyers in Deer Trail, Colorado often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a USDA loan in Del Norte, Colorado. Del Norte and the Rio Grande County area around it sit inside USDA-eligible territory, and zero down applies here.
Delta qualifies. This part of Colorado, on the Western Slope, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Denver and the entire metro core sit inside the ineligible zone, the biggest exclusion in Colorado. But the eligible ring is closer than people think: Bennett, Hudson, Keenesburg, Kiowa, Elizabeth, and Larkspur are all USDA loan territory, and the plains and mountain country beyond them is wide open. Send us any address and we will check it in minutes.
Can you get a USDA mortgage in Dillon, Colorado? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Dinosaur, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Dolores as eligible ground. Buying a home in Dolores, Colorado can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
Is Dove Creek USDA-eligible? It is, along with the Dolores County countryside around it, and a rural housing loan works in this corner of Colorado.
Durango is open for USDA financing here in Colorado. Homes in southwest Colorado fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Eads, Colorado? Good news, Eads sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Eagle, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies.
Eaton checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
A USDA mortgage works in Eckley, Colorado, the whole area here in Colorado is inside eligible territory.
Edgewater, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Larkspur, Bennett, and Elizabeth all qualify for USDA financing. We check exact addresses for free.
First-time buyers in Elizabeth, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Empire, Colorado. Empire and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
The incorporated city of Englewood, Colorado is inside the exclusion, but Larkspur, Elizabeth, and Kiowa nearby are USDA-eligible, 100% financing included. A Englewood-area address outside city limits can qualify too. Worth a quick address check before assuming anything, just ask us.
Incorporated Erie, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Bennett, Hudson, Keenesburg, and Kiowa are all open for USDA house loans with no money down. Two minutes with the address and you will know for sure.
Estes Park qualifies. This part of Colorado, Northern Colorado, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Evans, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Eaton, Pierce, and Nunn all qualify for USDA financing. Send us the address and we will confirm it in minutes.
Can you get USDA home financing in Fairplay, Colorado? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
The incorporated city of Federal Heights, Colorado is inside the exclusion, but Keenesburg, Kiowa, and Elizabeth nearby are USDA-eligible, no down payment included. A Federal Heights-area address outside city limits can qualify too. We check exact addresses for free.
Most of Firestone, Colorado sits inside the ineligible zone, but not all of it, the edges matter here, and Bennett, Hudson, and Keenesburg nearby are fully eligible for a USDA mortgage. A Firestone address decides nothing, USDA’s own map line does. Worth a quick address check before assuming anything, just ask us.
Flagler, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Fleming as eligible ground. Buying a home in Fleming, Colorado can pencil with a USDA loan and zero down.
Is Florence USDA-eligible? It is, along with the Fremont County countryside around it, and a USDA home loan works in this corner of Colorado. We check exact addresses for free.
Fort Collins, Colorado city limits are inside the ineligible zone, but the line runs tight: nearly all of Timnath and Severance next door check out as eligible, and Ault, Eaton, Pierce, and Nunn up the road are fully open for USDA loans with zero down. We check exact addresses for free.
Nearly all of Fort Lupton, Colorado checks out as USDA-eligible on the current map, only a small slice is excluded. A USDA Rural Development loan with no money down is very much on the table here. Two minutes with the address and you will know for sure.
Fort Morgan is open for USDA financing here in Colorado. Homes on the Eastern Plains fall within the eligible area, and a USDA mortgage can come with 100% financing.
The incorporated city of Fountain, Colorado is inside the exclusion, but Woodland Park, Green Mountain Falls, and Cripple Creek nearby are USDA-eligible, zero down included. A Fountain-area address outside city limits can qualify too. Send us the address and we will confirm it in minutes.
Looking for a rural home loan around Fowler, Colorado? Good news, Fowler sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Incorporated Foxfield, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Bennett, Hudson, Keenesburg, and Kiowa are all open for rural housing loans with no down payment. We check exact addresses for free.
Homes in Fraser, Colorado fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Frederick, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Hudson, Keenesburg, and Kiowa all qualify for USDA financing. Worth a quick address check before assuming anything, just ask us.
Frisco checks out. On the current USDA eligibility map this Colorado town is eligible, and a rural housing loan is a real option here.
Nearly all of Fruita, Colorado checks out as USDA-eligible on the current map, only a small slice is excluded. A USDA house loan with no money down is very much on the table here. Two minutes with the address and you will know for sure.
Incorporated Garden City, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Gilcrest, Platteville, Kersey, and Ault are all open for USDA loans with zero down. Send us the address and we will confirm it in minutes.
USDA home financing works in Genoa, Colorado, the whole area here in Colorado is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Georgetown, Colorado often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Gilcrest, Colorado. Gilcrest and the Weld County area around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Glendale, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Hudson, Keenesburg, and Kiowa all qualify for USDA financing. We check exact addresses for free.
Glenwood Springs qualifies. This part of Colorado, the Colorado River valley on the Western Slope, is USDA-eligible, so a USDA home loan with no down payment is on the table.
The incorporated city of Golden, Colorado is inside the exclusion, but Larkspur, Bennett, and Elizabeth nearby are USDA-eligible, 100% financing included. A Golden-area address outside city limits can qualify too. Worth a quick address check before assuming anything, just ask us.
Can you get a USDA mortgage in Granada, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Granby, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
Grand Junction, Colorado city limits are inside the ineligible area, but the Grand Valley around it is remarkably open: nearly all of Fruita is eligible, and Palisade, De Beque, and Collbran qualify outright for USDA home loans with no down payment. Send us the address and we will tell you straight.
The current eligibility map shows Grand Lake as eligible ground. Buying a home in Grand Lake, Colorado can pencil with a Rural Development loan and zero down.
Greeley, Colorado proper is inside the exclusion, but Weld County around it is USDA country: Eaton, Ault, Pierce, Kersey, Gilcrest, and Platteville all qualify, and nearly all of Milliken and Mead do too. A Greeley-area address outside city limits can work, send it over and we will confirm.
Is Green Mountain Falls USDA-eligible? It is, along with the El Paso County countryside around it, and a rural housing loan works in this corner of Colorado. We check exact addresses for free.
Incorporated Greenwood Village, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Larkspur, Elizabeth, and Kiowa are all open for USDA Rural Development loans with no money down. Two minutes with the address and you will know for sure.
Grover is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Gunnison, Colorado? Good news, Gunnison sits in USDA-eligible territory, no money down included.
Homes in Gypsum, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Hartman checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Haswell, Colorado, the whole area here in Colorado is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Haxtun, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Hayden, Colorado. Hayden and the Routt County area around it sit inside USDA-eligible territory, and zero down applies here.
Hillrose qualifies. This part of Colorado, like most of the state, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Can you get USDA home financing in Holly, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Holyoke, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Hooper as eligible ground. Buying a home in Hooper, Colorado can pencil with a USDA loan and zero down.
Is Hot Sulphur Springs USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Colorado.
Hotchkiss is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Hudson, Colorado? Good news, Hudson sits in USDA-eligible territory, no money down included.
Homes in Hugo, Colorado fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
Idaho Springs checks out. On the current USDA eligibility map this Colorado town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Ignacio, Colorado, the whole area in southwest Colorado is inside eligible territory.
First-time buyers in Iliff, Colorado often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a USDA loan in Jamestown, Colorado. Jamestown and the countryside around it sit inside USDA-eligible territory, and zero down applies here.
Most of Johnstown, Colorado sits inside the ineligible zone, but not all of it, the edges matter here, and Nunn, Gilcrest, and Platteville nearby are fully eligible for a Rural Development loan. A Johnstown address decides nothing, USDA’s own map line does. Send us the address and we will confirm it in minutes.
Julesburg qualifies. This part of Colorado, on the Eastern Plains, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Can you get a USDA mortgage in Keenesburg, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Kersey, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Kim as eligible ground. Buying a home in Kim, Colorado can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
Is Kiowa USDA-eligible? It is, along with the Elbert County countryside around it, and a rural housing loan works in this corner of Colorado.
Kit Carson is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Kremmling, Colorado? Good news, Kremmling sits in USDA-eligible territory, no money down included.
Homes in La Jara, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies.
La Junta checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
The incorporated city of La Salle, Colorado is inside the exclusion, but Gilcrest, Platteville, and Kersey nearby are USDA-eligible, no down payment included. A La Salle-area address outside city limits can qualify too. We check exact addresses for free.
A USDA mortgage works in La Veta, Colorado, the whole area here in Colorado is inside eligible territory.
Incorporated Lafayette, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Hudson, Keenesburg, and Larkspur are all open for USDA home financing with 100% financing. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Lake City, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Lakeside, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Larkspur, Bennett, and Elizabeth all qualify for USDA financing. Two minutes with the address and you will know for sure.
The incorporated city of Lakewood, Colorado is inside the exclusion, but Larkspur, Bennett, and Elizabeth nearby are USDA-eligible, zero down included. A Lakewood-area address outside city limits can qualify too. Send us the address and we will confirm it in minutes.
Yes, you can get a Rural Development loan in Lamar, Colorado. Lamar and the Prowers County area around it sit inside USDA-eligible territory, and zero down applies here.
Larkspur qualifies. This part of Colorado, along the Front Range, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Las Animas, Colorado? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Leadville, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Limon as eligible ground. Buying a home in Limon, Colorado can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Incorporated Littleton, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Larkspur, Elizabeth, and Kiowa are all open for USDA home loans with no down payment. We check exact addresses for free.
Most of Lochbuie, Colorado sits inside the ineligible zone, but not all of it, the edges matter here, and Hudson, Keenesburg, and Kiowa nearby are fully eligible for a USDA mortgage. A Lochbuie address decides nothing, USDA’s own map line does. Worth a quick address check before assuming anything, just ask us.
Is Log Lane Village USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Colorado.
The incorporated city of Lone Tree, Colorado is inside the exclusion, but Larkspur, Elizabeth, and Kiowa nearby are USDA-eligible, no money down included. A Lone Tree-area address outside city limits can qualify too. Two minutes with the address and you will know for sure.
Longmont, Colorado proper sits inside the ineligible zone, but the countryside around it does not: nearly all of Berthoud and Mead next door are eligible, and Platteville and Gilcrest are fully open for USDA financing. A Longmont-area address outside the boundary is worth checking, we do it for free.
Incorporated Louisville, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Hudson, Keenesburg, and Larkspur are all open for Rural Development loans with zero down. Send us the address and we will confirm it in minutes.
Loveland, Colorado city limits are inside the ineligible zone, but nearly all of Berthoud and Milliken nearby are eligible, and Ault and Eaton within an easy drive are fully open for USDA loans with zero down. USDA draws its own eligibility lines, and they don’t follow ZIP codes, send an address and we will check it.
Lyons is open for USDA financing here in Colorado. Homes in the Front Range foothills fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Manassa, Colorado? Good news, Manassa sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Mancos, Colorado fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Manitou Springs, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Ramah, Woodland Park, and Green Mountain Falls all qualify for USDA financing. We check exact addresses for free.
Manzanola checks out. On the current USDA eligibility map this Colorado town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
USDA home financing works in Marble, Colorado, the whole area here in Colorado is inside eligible territory.
Nearly all of Mead, Colorado checks out as USDA-eligible on the current map, only a small slice is excluded. USDA home financing with 100% financing is very much on the table here. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Meeker, Colorado often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Merino, Colorado. Merino and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Nearly all of Milliken, Colorado checks out as USDA-eligible on the current map, only a small slice is excluded. A USDA house loan with no money down is very much on the table here. Two minutes with the address and you will know for sure.
Minturn qualifies. This part of Colorado, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Moffat, Colorado? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Monte Vista, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
The current eligibility map shows Montezuma as eligible ground. Buying a home in Montezuma, Colorado can pencil with a Rural Development loan and zero down.
Is Montrose USDA-eligible? It is, along with the Montrose County countryside around it, and a rural housing loan works in this corner of Colorado. We check exact addresses for free.
Monument, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Larkspur, Elizabeth, and Kiowa all qualify for USDA financing. Send us the address and we will confirm it in minutes.
Most of Morrison, Colorado checks out as USDA-eligible on the current map, right at the foot of the hogback a short drive from Denver. Only a slice of town is excluded, so the exact address decides. Two minutes with it and we will know for sure.
Mount Crested Butte is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and USDA home financing can come with 100% financing.
The incorporated city of Mountain View, Colorado is inside the exclusion, but Larkspur, Bennett, and Elizabeth nearby are USDA-eligible, no down payment included. A Mountain View-area address outside city limits can qualify too. We check exact addresses for free.
Looking for a rural home loan around Mountain Village, Colorado? Good news, Mountain Village sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Naturita, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies.
Nederland checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in New Castle, Colorado, the whole area in the Colorado River valley on the Western Slope is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
Incorporated Northglenn, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Bennett, Hudson, Keenesburg, and Kiowa are all open for USDA mortgages with 100% financing. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Norwood, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Nucla, Colorado. Nucla and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Nunn qualifies. This part of Colorado, Northern Colorado, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Oak Creek, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Olathe, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Olney Springs as eligible ground. Buying a home in Olney Springs, Colorado can pencil with a USDA loan and zero down.
Is Ophir USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Colorado. We check exact addresses for free.
Orchard City is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and a USDA mortgage can come with 100% financing.
Looking for a rural home loan around Ordway, Colorado? Good news, Ordway sits in USDA-eligible territory, no money down included.
Homes in Otis, Colorado fall inside the USDA-approved area, so Rural Development loan with zero down applies. Send us the address and we will confirm it in minutes.
Ouray checks out. On the current USDA eligibility map this Colorado town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Ovid, Colorado, the whole area here in Colorado is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Pagosa Springs, Colorado often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Palisade, Colorado. Palisade and the Mesa County area around it sit inside USDA-eligible territory, and zero down applies here.
Most of Palmer Lake, Colorado sits inside the ineligible zone, but not all of it, the edges matter here, and Larkspur, Elizabeth, and Kiowa nearby are fully eligible for a USDA Rural Development loan. A Palmer Lake address decides nothing, USDA’s own map line does. Two minutes with the address and you will know for sure.
Paoli qualifies. This part of Colorado, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table. We check exact addresses for free.
Can you get a USDA mortgage in Paonia, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Parachute, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The incorporated city of Parker, Colorado is inside the exclusion, but Larkspur, Elizabeth, and Kiowa nearby are USDA-eligible, zero down included. A Parker-area address outside city limits can qualify too. Send us the address and we will confirm it in minutes.
The current eligibility map shows Peetz as eligible ground. Buying a home in Peetz, Colorado can pencil with a Rural Development loan and zero down.
Is Pierce USDA-eligible? It is, along with the Weld County countryside around it, and a rural housing loan works in this corner of Colorado.
Pitkin is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and USDA home financing can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Platteville, Colorado? Good news, Platteville sits in USDA-eligible territory, no money down included.
Homes in Poncha Springs, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Pritchett checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here.
Most of Pueblo, Colorado is inside the ineligible area, with small exceptions near the edges. Boone and Rye nearby are fully eligible for USDA financing, and so is most of the Arkansas Valley country around the city. A Pueblo-area address outside the boundary can qualify, send it over.
A USDA mortgage works in Ramah, Colorado, the whole area here in Colorado is inside eligible territory.
First-time buyers in Rangely, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a Rural Development loan in Raymer (New Raymer), Colorado. Raymer (New Raymer) and the countryside around it sit inside USDA-eligible territory, and zero down applies here.
Red Cliff qualifies. This part of Colorado, like most of the state, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Can you get USDA home financing in Rico, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Ridgway, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Rifle as eligible ground. Buying a home in Rifle, Colorado can pencil with a USDA loan and zero down. Send us the address and we will confirm it in minutes.
Is Rockvale USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Colorado.
Rocky Ford is open for USDA financing here in Colorado. Homes in the Arkansas Valley fall within the eligible area, and a USDA mortgage can come with 100% financing. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Romeo, Colorado? Good news, Romeo sits in USDA-eligible territory, no money down included.
Homes in Rye, Colorado fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Saguache checks out. On the current USDA eligibility map this Colorado town is eligible, and a rural housing loan is a real option here. We check exact addresses for free.
USDA home financing works in Salida, Colorado, the whole area in the upper Arkansas Valley is inside eligible territory.
First-time buyers in San Luis, Colorado often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either. Two minutes with the address and you will know for sure.
Yes, you can get a USDA loan in Sanford, Colorado. Sanford and the countryside around it sit inside USDA-eligible territory, and zero down applies here.
Sawpit qualifies. This part of Colorado, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Sedgwick, Colorado? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Seibert, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers.
Nearly all of Severance, Colorado checks out as USDA-eligible on the current map, only a small slice is excluded. A rural housing loan with no down payment is very much on the table here. We check exact addresses for free.
Sheridan, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Larkspur, Elizabeth, and Kiowa all qualify for USDA financing. Worth a quick address check before assuming anything, just ask us.
The current eligibility map shows Sheridan Lake as eligible ground. Buying a home in Sheridan Lake, Colorado can pencil with a Rural Development loan and zero down. Send us the address and we will confirm it in minutes.
Is Silt USDA-eligible? It is, along with the Garfield County countryside around it, and a rural housing loan works in this corner of Colorado.
Silver Cliff is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and USDA home financing can come with 100% financing.
Looking for a rural home loan around Silver Plume, Colorado? Good news, Silver Plume sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Silverthorne, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies.
Silverton checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here. We check exact addresses for free.
A USDA mortgage works in Simla, Colorado, the whole area on the plains east of the Front Range is inside eligible territory.
First-time buyers in Snowmass Village, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in South Fork, Colorado. South Fork and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Springfield qualifies. This part of Colorado, on the southeastern plains, is USDA-eligible, so a rural housing loan with no down payment is on the table.
Can you get USDA home financing in Starkville, Colorado? Yes. The town sits inside the eligible area on the current USDA map. Worth a quick address check before assuming anything, just ask us.
Steamboat Springs, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers.
The current eligibility map shows Sterling as eligible ground. Buying a home in Sterling, Colorado can pencil with a USDA loan and zero down.
Is Stratton USDA-eligible? It is, along with the open country around it, and a USDA home loan works in this corner of Colorado. We check exact addresses for free.
Sugar City is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and a USDA mortgage can come with 100% financing.
The incorporated city of Superior, Colorado is inside the exclusion, but Hudson, Keenesburg, and Larkspur nearby are USDA-eligible, no money down included. A Superior-area address outside city limits can qualify too. Two minutes with the address and you will know for sure.
Looking for a rural home loan around Swink, Colorado? Good news, Swink sits in USDA-eligible territory, no money down included. Two minutes with the address and you will know for sure.
Homes in Telluride, Colorado fall inside the USDA-approved area, so Rural Development loan with zero down applies.
Incorporated Thornton, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Bennett, Hudson, Keenesburg, and Kiowa are all open for USDA loans with zero down. Send us the address and we will confirm it in minutes.
Nearly all of Timnath, Colorado checks out as USDA-eligible on the current map, only a small slice is excluded. A USDA home loan with no down payment is very much on the table here. We check exact addresses for free.
Trinidad checks out. On the current USDA eligibility map this Colorado town is eligible, and a rural housing loan is a real option here.
USDA home financing works in Two Buttes, Colorado, the whole area here in Colorado is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
First-time buyers in Vail, Colorado often look at a USDA house loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a USDA loan in Victor, Colorado. Victor and the countryside around it sit inside USDA-eligible territory, and zero down applies here. Send us the address and we will confirm it in minutes.
Vilas qualifies. This part of Colorado, like most of the state, is USDA-eligible, so a USDA home loan with no down payment is on the table.
Can you get a USDA mortgage in Vona, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Walden, Colorado is USDA-eligible territory. A USDA Rural Development loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
The current eligibility map shows Walsenburg as eligible ground. Buying a home in Walsenburg, Colorado can pencil with a Rural Development loan and zero down.
Is Walsh USDA-eligible? It is, along with the open country around it, and a rural housing loan works in this corner of Colorado. We check exact addresses for free.
Ward is open for USDA financing here in Colorado. Homes here in Colorado fall within the eligible area, and USDA home financing can come with 100% financing.
Most of Wellington, Colorado sits inside the ineligible zone, but not all of it, the edges matter here, and Ault, Eaton, and Pierce nearby are fully eligible for a USDA mortgage. A Wellington address decides nothing, USDA’s own map line does. Worth a quick address check before assuming anything, just ask us.
Looking for a rural home loan around Westcliffe, Colorado? Good news, Westcliffe sits in USDA-eligible territory, no money down included.
Incorporated Westminster, Colorado sits inside the ineligible zone, but USDA draws its own lines, and they don’t follow ZIP codes. Close by, Bennett, Hudson, Keenesburg, and Kiowa are all open for USDA Rural Development loans with no money down. Two minutes with the address and you will know for sure.
Wheat Ridge, Colorado inside city limits is ineligible on the current map. Step outside the boundary and it changes fast: Larkspur, Bennett, and Elizabeth all qualify for USDA financing. Send us the address and we will confirm it in minutes.
Homes in Wiggins, Colorado fall inside the USDA-approved area, so USDA loan with zero down applies. Send us the address and we will confirm it in minutes.
Wiley checks out. On the current USDA eligibility map this Colorado town is eligible, and a USDA home loan is a real option here.
A USDA mortgage works in Williamsburg, Colorado, the whole area here in Colorado is inside eligible territory. Worth a quick address check before assuming anything, just ask us.
Most of Windsor, Colorado sits inside the ineligible zone, but not all of it, the edges matter here, and Nunn, Gilcrest, and Platteville nearby are fully eligible for a rural housing loan. A Windsor address decides nothing, USDA’s own map line does. We check exact addresses for free.
First-time buyers in Winter Park, Colorado often look at a USDA Rural Development loan because the town is eligible and no money down applies. Not just for first-timers, either.
Yes, you can get a Rural Development loan in Woodland Park, Colorado. Woodland Park and the Teller County area around it sit inside USDA-eligible territory, and zero down applies here.
Wray qualifies. This part of Colorado, on the Eastern Plains, is USDA-eligible, so a rural housing loan with no down payment is on the table. We check exact addresses for free.
Can you get USDA home financing in Yampa, Colorado? Yes. The town sits inside the eligible area on the current USDA map.
Yuma, Colorado is USDA-eligible territory. A USDA house loan here can mean no money down for qualified buyers. Two minutes with the address and you will know for sure.
Your town isn’t on our exceptions list, and in Colorado that’s usually good news, the ineligible zones are only the Front Range metro strip and a few city cores. Odds are strong it’s USDA territory. Send us the address and we’ll confirm it in minutes.
Answers describe the incorporated city area on the current USDA map. Outside the city, or unincorporated with a city mailing address? Odds improve. The final word is the exact address, which we check for free.
Still not sure where you land, or is your situation more “unincorporated area with a city mailing address”? That’s the easiest question we answer all week. Send us the exact address and we’ll check it against the live map for free, no strings.
Direct vs. Guaranteed: The Two USDA Loans, and Which One You Actually Want
Here’s something most USDA content never explains, and it trips people up constantly: there are two different USDA loan programs, and they work nothing alike.
The USDA Direct loan is funded straight through the USDA itself. It’s aimed at very low income borrowers, the name means exactly what it says, and going that route means working directly with the agency, which is famously slow going. The USDA Guaranteed loan is the one most people mean when they say “USDA loan”: it’s originated by an approved lender, backed by USDA, and it’s what we do. If you’ve been reading about “502 loans” and wondering why the process sounded so painful, you were probably reading about Direct. The Guaranteed side moves like a normal mortgage.
If your situation genuinely fits the Direct program, we’ll tell you that honestly and point you the right way. For everyone else, Guaranteed is the program this whole page is about.
Building in the Country, and Other Less-Common Paths
Building instead of buying? USDA has a construction path on eligible rural land, and it’s worth asking about. Full honesty though, and this is us talking you out of nothing, just telling you the truth: in all three of our states right now, it’s generally more expensive to build a home than to buy an existing one. Sometimes the build still makes sense, land you already own, a specific plan, the right market pocket. That’s a sit-down-and-run-the-numbers conversation, and we’re glad to have it.
Manufactured home? USDA can finance manufactured homes under specific age and installation rules, and those rules have moved around the last few years, so we won’t publish a rule that might be stale by the time you read it. Tell us the year, make, and situation of the home and you’ll get a straight yes or no. The deep treatment lives on our manufactured home loans page.
Already have a USDA loan? They can be refinanced, including a streamlined path in many cases. If your loan is a few years old, worth a conversation.
USDA Loan Questions, Answered Straight
What disqualifies you from a USDA loan?
Usually one of three things: the property sits inside an ineligible zone (only the major metro cores in our three states), household income comes in over the county limit, or the debt-to-income ratio doesn’t fit USDA’s tighter guidelines. All three are checkable before you spend real time on a property, and we check them for you. None of them is a guess you have to make alone.
I looked into a USDA loan a few years ago and didn’t qualify. Is it worth trying again?
Very possibly, and this is the question we most wish people would ask. For years the income limits lagged badly behind home prices, and a lot of good buyers got squeezed out by the combination of the limit and the debt-to-income math. The limits have since jumped substantially: 2026 limits across Oregon, Washington, and Colorado run from $122,800 up to $236,350 depending on your area and household size. Meanwhile prices in much of our footprint have stayed roughly flat. The wall you hit may simply not be there anymore.
What’s the income limit for a USDA loan in 2026?
It depends on your county and household size. Across Oregon, Washington, and Colorado, the 2026 limits run from $122,800 to $179,050 for households of 1 to 4 people, and $162,100 to $236,350 for households of 5 to 8. A single buyer gets the full 1-to-4 limit, and the comparison is made after certain deductions, so your gross income isn’t the final number. Anywhere close? Check before ruling yourself out, it takes us minutes.
What if I make too much for a USDA loan?
Then you have options, not a dead end. In Oregon, the state’s Flex down payment assistance program carries far less strict income limits, works right in town with no eligibility map involved, and can get you in the door with very little out of pocket. Other down payment assistance options exist too. Tell us your numbers and we’ll tell you which door is yours.
My address says Eugene (or Salem, Bend, Spokane, Fort Collins…) but I’m outside the city. Can I still get a USDA loan?
Quite possibly yes, and this is one of the most missed opportunities in the whole program. Eligibility follows the lines USDA itself draws on its map, which are their own strange thing, not your ZIP code, not city limits, and definitely not your mailing address. Homes with big-city addresses sit outside the line all over our three states and finance fine. Send us the exact address, we check it for free.
Is my town USDA-eligible?
Check the city lookup above, we wrote an answer for every incorporated city in Oregon, Washington, and Colorado. And remember the lookup describes the incorporated city area; if you’re outside it, the odds get better, not worse. The final word is always the exact address, which we check in minutes.
What credit score do you need for a USDA loan?
There’s no single cutoff, USDA credit requirements are genuinely flexible, and files get looked at as a whole. If another lender quoted you one magic number as a dealbreaker, it’s worth a second conversation before you give up.
What if my debt-to-income ratio is too high for USDA?
This is USDA’s one genuinely strict spot, the tightest DTI rules of any program we work with, and it’s the most common reason a strong file doesn’t fit. If that happens, it almost never means you can’t buy, it means a different program fits better, FHA and conventional both flex more here. We’ll run it both ways and show you.
What’s the difference between a USDA Direct loan and a USDA Guaranteed loan?
Direct is funded by the USDA itself, aimed at very low income borrowers, and famously slow. Guaranteed is originated by an approved lender, backed by USDA, and moves like a normal mortgage. Guaranteed is what we place, and it’s what nearly everyone reading this page actually wants. If Direct genuinely fits your situation, we’ll say so and point you the right way.
Do banks do Rural Development loans?
Some do, plenty don’t, and many that technically do rarely touch them. This program has two extra moving parts, the eligibility map and the income limit math, and it rewards people who work with it constantly. That’s us. We’ll check both parts in one conversation.
Do USDA loans have PMI?
Not PMI, but yes, there’s mortgage insurance, USDA’s own version, and it’s small: a 1% one-time upfront guarantee fee and a 0.35% annual fee. FHA, for comparison, charges 1.75% upfront and 0.55% annually. The MI is honestly one of the least painful parts of the program.
Does USDA finance manufactured homes?
It can, under specific age and installation rules that have shifted in recent years. Rather than quote a rule that might be stale, we’ll trade you: tell us the year, make, and setup of the home, and we’ll give you a straight answer on your exact scenario.
Can you get a USDA loan to build a house?
There’s a USDA construction path on eligible land, and we’re glad to talk it through. Honest caveat: building currently costs more than buying an existing home in most of Oregon, Washington, and Colorado, so the numbers need a real look before anyone falls in love with a floor plan. Sometimes they work. Let’s find out together.
Can you refinance a USDA loan?
Yes, including a streamlined option in many cases for existing USDA borrowers. If your loan is a few years old, it’s worth a look.
Are USDA loans only for first-time home buyers?
No. There’s no first-time-buyer requirement at all. It’s about the property’s location, your household income, and the home being your primary residence.
Which is better, FHA or USDA?
When you qualify for both and the property is eligible, USDA usually wins on the monthly math: no down payment and cheaper mortgage insurance (1% upfront and 0.35% annual versus FHA’s 1.75% and 0.55%). FHA wins on flexibility: it works at any address and bends further on debt-to-income. The real answer depends on your address, your income, and your file, and we’ll run both side by side so you can see it, not take our word for it.
Is there a downside to a USDA loan?
Two honest ones. The eligible-area and income rules are real gates, though far wider than their reputation. And the debt-to-income guidelines are the strictest of any program we offer, which is the most common reason a file lands in a different loan instead. When you fit inside the lines, it’s about the best deal in lending next to VA. When you don’t, we’ll tell you fast and show you what fits instead.
Skip the Guessing
If you’ve been piecing together USDA rules from five different websites and getting five different answers, that’s normal. Most of what’s written about this program is outdated, generic, or both, and almost none of it has looked at the actual map lately. You now know more than most loan officers: the limits caught up, the map is huge, and your mailing address decides nothing.
So tell us the address, your household size, and roughly where things stand. You’ll get a straight answer, usually the same day, from Matt, Lauren, or Chandler, a real reply in the channel you used, no drip campaign, no runaround. Two sentences or two paragraphs, both work.
USDA and Rural Development home loans in Oregon, Washington, and Colorado.
Ready for a Straight Answer on USDA?
Address, household size, and where things stand, that’s all we need to tell you if USDA fits, and what fits better if it doesn’t. Real reply from Matt, Lauren, or Chandler, usually same day, in the channel you used.