USDA Loans
Zero down home loans for eligible rural and small town areas.
See what I qualify forUSDA loans are backed by the U.S. Department of Agriculture to help families buy in eligible rural and small town areas. A lot of Northern Colorado sits close to eligible zones, so this program is worth a look if you love space, quiet and a backyard big enough for chickens.
Is this a good fit for you?
- Buyers looking outside the big city limits
- Households within USDA income limits
- Buyers who want a zero down option
- Families who plan to live in the home
How it works with Dakotah
1. Check the address
USDA eligibility is set by location. Dakotah can check a property or an area for you in minutes.
2. Check household income
There are income limits based on county and household size. She runs the math with you.
3. Zero down for eligible buyers
Eligible buyers can finance without a down payment.
4. Guarantee fees
USDA loans have an upfront and annual guarantee fee, usually lower than FHA mortgage insurance. She will show you both.
What to have ready
- Income for everyone in the household
- Pay stubs and tax returns
- Bank statements
- The address or area you like
Do not have all of it yet? That is fine. Start the conversation and Dakotah will tell you exactly what she needs and when.
“People are always surprised how close USDA eligible areas can be. Send me the addresses you are looking at and I will check them for free.”
Dakotah Kutz, NMLS #1568471Why people choose Dakotah
Plenty of lenders can quote a rate. What clients talk about is the experience. Dakotah answers fast, explains each step in plain words, and keeps your agent in the loop so nobody is guessing. When a file gets complicated, a job change, a gift, a tricky appraisal, she finds a way through it instead of handing you a list of reasons it will not work.
She also looks past the first loan. If an FHA loan gets you in the door today, she will tell you when a refinance might make sense later. If you are buying a rental, she thinks about the next one too. That long view is why so many of her clients come back and send their friends.
Try Loan Match
Not sure this is the one? Answer six quick questions and see which programs line up for you.
Tap your answers and your best fit loans show up here.
Questions people ask
Do I have to be a farmer?
No. USDA home loans are for regular families buying a home to live in.
Is there a maximum price?
There is no set price cap, but you must fit the income limit and qualify for the payment.
Can I use USDA for a new build?
In some cases, yes. Ask Dakotah about the builder and the location.
Other loans to compare
Talk to Dakotah about usda loans.
She will look at your full picture and tell you straight if this is the right program.