USDA Loans in Colorado | Luna Lending

Room to breathe

Home loans for rural and suburban Colorado

A USDA loan is a mortgage backed by the U.S. Department of Agriculture’s Rural Development program. It is designed to help low- and moderate-income buyers purchase homes in eligible rural and suburban areas, and many communities outside the Denver metro qualify.

We will help you check whether a property is in an eligible area, confirm household income limits and compare USDA financing with FHA and conventional options.

Get Started

Is a USDA loan right for you?

Here’s how it can help

Buying outside the city

The property must be in a USDA-eligible area. Many small towns and suburban communities in Colorado qualify.

Moderate household income

USDA loans have household income limits that vary by county and household size.

Looking to keep cash in pocket

USDA loans can offer low down payment options for eligible buyers.

How it works with Luna Lending

Tell us your goals

Share what you are looking for and a little about your situation.

We shop multiple lenders

As an independent broker, we compare programs and pricing from multiple wholesale lenders.

Compare your options

We walk you through rates, costs and terms side by side, in plain language.

Close with confidence

We stay in touch from application to closing, with clear updates along the way.

Good to know

Questions we hear often

Guarantee fees

USDA loans include an upfront guarantee fee and an annual fee paid monthly. We will show you how these affect your cost.

Primary residence

USDA loans are for homes you will live in as your primary residence.

Eligibility maps

Property and income eligibility can change. We will confirm current USDA eligibility before you make an offer.

Gift funds

Eligible gift funds may be used toward closing costs.

Get ready

Let Luna Lending guide you home

Talk with a local Denver mortgage broker about your options. No pressure, just clear answers.