USDA 0% Down Payment Metro Denver Colorado Homes for Sale

Go to the USDA website and type any address in to see if it is eligible for a loan. But I have created the following search (scroll down) to try to eliminate any non-eligible USDA loan homes for sale.

http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

My Metro Denver mortgage lender Diana Dunson prepared some loan information, click here for USDA loan details.

https://www.dropbox.com/s/l7sxdutfayht7iw/Colorado%20and%20Denver%202016%20USDA%20Loan%20Highlights.pdf?dl=0

The most interesting parts of obtaining a USDA loan in Colorado are below.

CASH INVESTMENT REQUIREMENT – MAXIMUM LTV

$-0- Buyer contribution required. USDA is 100% Financing in approved rural areas and townships.

LOAN LIMIT

$417,000 plus the USDA Guarantee Fee. (1-Unit Properties Only)

Credit

Minimum 620 Credit Score. A 640 Score is required for a Manual Underwrite.

APPRAISAL

USDA appraisals are done by approved FHA appraisers
Single family, Condos and PUD’s Okay if approved on FNMA, FHA or VA approved condo list.
NO FLOOD ZONE, there are exceptions, but why bother.

Metro Denver USDA eligible homes for sale

We can either search by the towns in Diana's sheet.

Colorado Towns eligible for USDA loans

Firestone
Frederick
Dacono
Mead
Berthoud
Johnstown
Milliken
LaSalle
Nederland
Lyons
Fort Lupton
Lochbuie
Platteville
Brighton
Erie

Newest Metro Denver USDA Homes For Sale

$289,000

2 Beds ⋅ 2 Baths ⋅ 2359569 MLS

Seller is open to $10,000 in cash back to the buyer! However, price must reflect the increase in order to provide an ample rate buy down and closing cost assistance. It doesn’t get better than this. Charming ranch-style home in a quiet cul-de-sac, featuring 2 bedrooms and 2 bathrooms. Recent updates include new interior and exterior paint, roof, and kitchen cabinets. Lightly lived in and just a short walk to the playground, clubhouse, fitness center, and outdoor pool. Located in Prairie Greens, a land lease community where buyers purchase the home and lease the land. The lease covers road maintenance, snow removal, and access to community amenities. A completed land lease application is required prior to submitting an offer. Visit http://www.prairiegreensliving.com/ or tour in person for more details.

6360 Red Cedar Street, Frederick

$305,000

3 Beds ⋅ 2 Baths ⋅ IR1018373 MLS

Welcome to this inviting 3-bedroom manufactured home plus an office located in Prairie Greens! Equipped with all appliances, including the washer and dryer! This residence offers a stunning mountain views from its large deck, situated on a desirable corner lot. Enjoy the ultimate in leisure and recreation with access to a swimming pool, Club House, fitness center, basketball courts, playgrounds, and picnic areas. The two of the three bedrooms feature walk-in closets, while the large master suite and expansive living room create the perfect blend of comfort and style for your next home. This is a land lease community and Buyer will need to get approved for that lease from the HOA.

7971 Larkspur Circle Unit 219, Frederick

$295,000

3 Beds ⋅ 2 Baths ⋅ 5209697 MLS

Seller is motivated! Let's get you into your new home! Cute ranch style home in a quiet neighborhood! tucked in a cul-de-sac. This home offers you 3 bedrooms, 2 bathrooms, another room was added with a temporary wall used as a small bedroom, or an office, could be taken down and space could be opened up for a dining room. New exterior and interior paint, newer roof, lots of kitchen cabinets. Off the living room is a patio for BBQ'ing, another patio on the backside to host friends and family visits. Just a hop, skip and a jump on the walking path to the playground, clubhouse, fitness center and outdoor pool. Prairie Greens is a land lease commuity. Buyer purchases structure and lease the land. The land lease includes the following, lease of land, road maintenance, street snow removal, playground, clubhouse, fitness center, and pool access. Application for the land lease will need to be completed and accepted before offer is made. Please visit website http://www.prairiegreensliving.com/ or visit in-person for more details.

7875 Sunflower Green, Frederick

$400,000

2 Beds ⋅ 3 Baths ⋅ 8883083 MLS

Discover this impeccably maintained townhome, where breathtaking mountain views and modern comfort come together seamlessly! A spacious living and dining area combo with brand new carpet, perfect for entertaining or relaxing, welcomes you in. The well-designed kitchen features elegant hardwood flooring, sleek black and stainless steel appliances, and an abundance of maple cabinets with timeless crown molding. Convenience is key with a main-level half bathroom, a laundry closet with a full-size washer and dryer, and additional storage space with a fully finished crawl space. Upstairs, you’ll find two primary bedrooms, each equipped with ceiling fans, walk-in closets, and ensuite bathrooms, providing privacy and comfort. The versatile loft space offers endless possibilities for a home office or family room. The oversized garage not only accommodates your vehicle but also provides ample storage options. Enjoy outdoor living with a lovely covered patio. Guests will appreciate the ample parking available, and outdoor enthusiasts will love the proximity to the Woodmoor trails, as well as the hiking and mountain biking trails on Mt. Herman. Perfectly positioned between Colorado Springs and DTC, this townhome offers a harmonious blend of convenience and natural beauty. Don’t miss your chance to make this exceptional property your new home!

17043 Blue Mist Grove, Monument

$412,500

3 Beds ⋅ 2 Baths ⋅ 5344986 MLS

Price reduced! Get over for a look at this awesome 3 bedroom, 2 bath home in Lochbuie waiting for you! Minutes to I-76, several blocks to the elementary school, close to shopping and dining just down the road! This is a well-kept home with BRAND NEW furnace and air conditioning ($20k investment), newer interior paint, nicely sized kitchen with island, and a nicely sized living room and dining room with an open concept living space. Seller has done a few updates, including the primary bathroom, backyard deck, and brand new furnace and A/C. Large 2 car attached garage for your cars, and TWO backyard sheds for storage space! Plenty of parking in the driveway for your cars and toys, and no HOA! Nice little covered front porch to sit outside in the evenings and enjoy the outdoors. The seller has taken good care of this home, it's just waiting for your personal touches. Won't last long, schedule your showing today!

315 Cherokee Place, Brighton

$292,000

3 Beds ⋅ 2 Baths ⋅ 6324311 MLS

BRAND NEW ROOF (8.27.24). Built in 2019, this modular ranch home offers the latest finishes with an open floor plan and high ceilings for a spacious feel. Dine informally or spread out to work or do homework on the large double kitchen island. Stainless steel appliances, solid surface counters, abundant cabinet space, and great lighting are just a few of the kitchen and dining area features. The cozy living room includes a stone-surrounded electric fireplace and a large sliding glass door that opens to your concrete patio and well maintained yard. Plus, enjoy no neighbors directly behind your home. The primary bedroom features its own ensuite with a double vanity sink, a giant walk-in shower, and a walk-in closet. There are two additional bedrooms, both with extra large closets and a full bathroom. The laundry room provides ample space and built-ins to make folding easier. The oversized two-car garage offers convenient backyard access. The home sits on a four-foot crawlspace, perfect for extra storage! Peace of mind included with a new water heater. Enjoy the convivence of a short walk to the Park, Clubhouse, Fitness Center, and Pool. Plus, easy access to I-25 or Hwy-85. Shopping, restaurants, coffee shops, and gas stations are all within minutes away. The land lease includes lease of the land, road maintenance, street snow removal, clubhouse, fitness center, outdoor pool, and playground/park (NO HOA FEE - just the land lease fee). Schedule your showing today to experience the charm firsthand at Prairie Greens!

6260 Indian Paintbrush Street Unit 102, Frederick

$410,000

3 Beds ⋅ 2 Baths ⋅ IR1017311 MLS

Price reduced on this great 3 bedroom, and 2-bathroom home located just outside of Denver. This home has alley access where a shop can be built to suit, has two storage units in the backyard and a deck just off the kitchen. Has totally been re-done both inside and out. A must see. Call for your appointment to see this great home.

150 5th Street, Fort Lupton

$284,900

2 Beds ⋅ 2 Baths ⋅ IR1017144 MLS

Great opportunity to purchase a 1500+ sq ft ranch style home for under $300K! Bright and sunny home with plenty of room, vaults and an open dining room and kitchen concept. New carpet throughout! Large master bedroom with vaults and a huge walk-in closet. Spacious Master bath with dual vanity. Possible office? Nursery? Hobby Room? located off the master bedroom. Nice sized second bedroom with plenty of closet space. Mud room with washer/dryer included. 10 x 20 ft patio is perfect for grilling and entertaining. Large two car garage with overhead storage rack. Nicely landscaped with sprinkler system and storage shed. Community Recreation Center features large community gathering room, kitchen, outdoor pool, fitness room, etc.

6340 Hollyhock Green, Frederick

$290,000

3 Beds ⋅ 2 Baths ⋅ 9989241 MLS

This beautifully maintained home features a fantastic open floor plan, flooded with natural light throughout. The spacious kitchen includes a breakfast nook, ample cabinet space, and all-new Samsung appliances. The large primary bedroom comes with an ensuite bathroom and generous closet space. Enjoy outdoor living in the fenced backyard with a patio area. Recent upgrades include ceiling fans throughout, a newer water heater, and a new thermostat. Don’t miss out—schedule your showing today!

6185 Laural Unit 266, Frederick

$404,900

3 Beds ⋅ 3 Baths ⋅ 7004079 MLS

Anticipated completion September 2024! Located in the brand new Bennett Village community, this gorgeous Navigator 2-story features 3 bedrooms, 2.5 baths, great room, dining area, kitchen, upper laundry, 2 car garage and crawlspace. Beautiful upgrades and finishes throughout including luxury vinyl plank flooring, stainless steel appliances and more. Lennar provides the latest in energy efficiency with several fabulous floor plans to choose from. Energy efficiency seamlessly blended with luxury to make your new house a home. What some builders consider high-end upgrades, Lennar makes a standard inclusion. This community offers single family homes for every lifestyle. Come see what you have been missing today! Welcome home! Photos and walkthrough tour are a model only and subject to change.

535 Bennett Avenue, Bennett

$275,000

3 Beds ⋅ 2 Baths ⋅ IR1015599 MLS

Assumable FHA Loan! Buyer must qualify. Charming ranch home meticulously cared for. Enjoy snowcapped mountain views from the living room and front porch. Spend your evenings on a shaded back patio. New roof and new dishwasher with dedicated water supply line. Granite counters with updated sinks & fixtures were installed within the last 3 years in both the kitchen and bathrooms. Newer carpets in bedrooms and wood laminate in living and kitchen areas. Oversized 2 car garage with work bench, rafter storage, and room for storage shelves. Community Amenities: Pool, Clubhouse, 24/7 Fitness Snow Removal in streets and public walks if 4" or more accumulation.

7745 Primrose Green Unit 163, Frederick

$405,290

3 Beds ⋅ 2 Baths ⋅ 7045620 MLS

Discover the Albright floorplan where style meets innovation in a home designed for flexibility, affordability, and efficiency. This single-family, 3-story layout spans 1,311 sq. ft. and offers 3 beds, 2.5 baths, and an oversized 2-car garage. Experience low-maintenance living in an open-concept floorplan that provides versatility for your lifestyle. Energy efficiency is at the forefront with 2x6 exterior walls and low-E double pane windows, an advanced Rheia HVAC, LED lighting, and a 96% high-efficiency furnace. All adding up to lower utility bills, backed by our Energy Smart Guarantee. Actual home may differ from artist's renderings or photography shown.

Bennett

$415,900

3 Beds ⋅ 3 Baths ⋅ 6314785 MLS

**Contact Lennar today about Special Financing for this home - terms and conditions apply** Anticipated completion October 2024. Located in the brand new Bennett Village community, this beautiful Odyssey 2-story home features 3 baths, 2.5 baths, great room, kitchen, upper laundry and 2 car garage. Beautiful upgrades and finishes throughout including luxury vinyl plank flooring, stainless steel appliances and more. Lennar provides the latest in energy efficiency with several fabulous floor plans to choose from. Energy efficiency seamlessly blended with luxury to make your new house a home. What some builders consider high-end upgrades, Lennar makes a standard inclusion. This community offers single family homes for every lifestyle. Come see what you have been missing today! Welcome home! Photos and walkthrough tour are a model only and subject to change.

540 Aspen Avenue, Bennett

$399,900

2 Beds ⋅ 1 Baths ⋅ 3550411 MLS

Welcome to 192 Vista Blvd, a charming 2-bedroom, 1-bathroom home with a 1-car attached garage. This move in ready home is situated on a spacious corner lot leaving room to build your outdoor paradise. This beautifully updated home features fresh interior paint throughout the home, brand new carpet in the bedrooms, and updated vinyl floor planking. The spacious living room and open layout make it a great home for gatherings and entertaining. The larger bedrooms provide ample space for relaxation and comfort while the primary bedroom connects to the bathroom. Enjoy endless hot water with the tankless water heater and take advantage of the large laundry room for added storage and convenience. Priced $50k below similar new builds in the area, this home offers exceptional value and a lot of room for growth and equity. With lower taxes and walking distance to community parks, 192 Vista Blvd is the perfect place to call home.

192 Vista Boulevard, Brighton

$384,590

2 Beds ⋅ 1 Baths ⋅ 6713442 MLS

Discover the Moreno floorplan where style meets innovation in a home designed for flexibility, affordability, and efficiency. This single-family, 2-story layout spans 1,031 sq. ft. and offers 2 beds, 2 / 2 baths, and an oversized 2-car garage. Experience low-maintenance living in an open-concept floorplan that provides versatility for your lifestyle. Energy efficiency is at the forefront with 2x6 exterior walls and low-E double pane windows, an advanced Rheia HVAC, LED lighting, and a 96% high-efficiency furnace. All adding up to lower utility bills, backed by our Energy Smart Guarantee. Actual home may differ from artist’s renderings or photography shown.

45020 Sunflower Lane, Bennett

$293,500

3 Beds ⋅ 2 Baths ⋅ IR1013975 MLS

OPEN HOUSE, SAT SEPT 21, 10-11:30AM. PRICE REDUCED! A sweet deal just got a little sweeter! Make this spacious ranch in Prairie Greens your new home. Located on a large corner lot, a garden in full bloom greets youas you step off the curb and head up the sidewalk to the covered front porch. As you enter the home, sink your feet into the lush NEW carpet installed throughout the living area and bedrooms. From the living room you can access the den,kitchen and dining room. The den is a great space for work or play. The kitchen has all NEW STAINLESS STEEL appliances and a separate eat-in area. From the dining room, gain access to the backyard patio. The primary bedroom offers a walk-incloset and private bath with large soaking tub and walk-in shower. Down the hall, you'll find two more bedrooms and ahall bath with a tub/shower combination. NEW window blinds throughout. A new roof was installed in 2023. Exterior paint in 2018. A large oversize garage holds 2-cars with room for a workbench. A quick walk down the street takes you to the Clubhouse/Fitness Center/Pool for community and other fun activities. Easy commute to I-25 or Hwy-85. Shopping,restaurants, coffee, and gas all within minutes of this great location. Prairie Greens is a land lease community. Buyer purchases structures and leases the land. The land lease currently has a monthly fee of $785 and includes lease of land,road maintenance, street snow removal, clubhouse, fitness center, outdoor pool, and playground/park (NO HOA FEE - just land lease fee).

6165 Needlegrass Green, Frederick

$355,000

3 Beds ⋅ 2 Baths ⋅ 5450743 MLS

$5000 Concession for new paint and/or carpet! WALK TO SCHOOL from this cozy home on a cul-de-sac street with a NEW FURNACE, NEW SIDING, NEW ROOF and HUGE backyard waiting for your personal touch. Kitchen is large enough to accommodate a dining table. Washer and dryer are also included. Water filter has an optional transferrable service contract. Primary bedroom has walk-in closet and private, full bathroom. Two other bedrooms and a bathroom are separated from the primary bedroom by the living room. Outside, you will find a spacious backyard, with a TOOL SHED and SPRINKLER SYSTEM, that is perfect for outdoor entertaining and endless possibilities. With room to roam and play this backyard is a rare gem. Don't miss the opportunity to make this house your own and create memories that will last a lifetime. Elementary school is only a few blocks away. This home qualifies for all types of financing and SELLERS ARE MOTIVATED! Bring us an offer!

503 Frontier Place, Lochbuie

$414,900

3 Beds ⋅ 3 Baths ⋅ 6462105 MLS

**Contact Lennar today about Special Financing for this home - terms and conditions apply** Anticipated completion September 2024. Located in the brand new Bennett Village community, this beautiful Odyssey 2-story home features 3 baths, 2.5 baths, great room, kitchen, upper laundry and 2 car garage. Beautiful upgrades and finishes throughout including luxury vinyl plank flooring, stainless steel appliances and more. Lennar provides the latest in energy efficiency with several fabulous floor plans to choose from. Energy efficiency seamlessly blended with luxury to make your new house a home. What some builders consider high-end upgrades, Lennar makes a standard inclusion. This community offers single family homes for every lifestyle. Come see what you have been missing today! Welcome home! Photos and walkthrough tour are a model only and subject to change.

565 Bennett Avenue, Bennett

$415,000

3 Beds ⋅ 2 Baths ⋅ 2485006 MLS

Make this home yours! Private fully fenced backyard, one car garage and 3 bedrooms. Big, open family room into kitchen with windows all around, lets in a ton of natural light! The primary bedroom/bathroom is separate from the other two bedrooms and full bathroom, giving you the most privacy. Close to grocery stores, highway and dining makes it the perfect location.

10468 Lower Ridge Road, Longmont

$415,000

3 Beds ⋅ 2 Baths ⋅ IR1012615 MLS

Welcome home! This charming 3 bedroom, 2 bathroom, spacious 1 car garage home is located in the highly desirable Platte River Ranch subdivision. As you walk in you notice the open floorplan perfect for relaxing or entertaining guests. On the main level is the living room, guest bathroom, kitchen / dining area and the laundry closet. Upstairs you will find the 3 bedrooms and a full bathroom. The large backyard is perfect for entertaining or relaxing in the Colorado sunshine. Located not far away is the serene Ken Mitchell Open Space. With shopping and highways nearby, you'll have everything you need right at your fingertips. Don't miss your chance to own a home in the heart of Brighton. Schedule a showing today and make this house your home before it's too late!

1242 Bluebird Street, Brighton

$415,000

3 Beds ⋅ 2 Baths ⋅ 7141303 MLS

1242 Bluebird Street, Brighton

$270,000

2 Beds ⋅ 2 Baths ⋅ 3494319 MLS

OPEN HOUSE, SAT SEPT 21, 12-1:30PM. PRICE REDUCED! Fresh exterior paint & the perfect location - a few steps from the community clubhouse, fitness center and outdoor pool. Built in 2006, this modular ranch home offers charm and character. 1x6 tongue and groove pine paneling accent walls grace the living room, hall and primary bedroom. The covered front porch invites you into a large living room with access to the eat-in kitchen. Expand your dining from the kitchen to the fenced patio to enjoy an expansive green space. The laundry room offers access to the garage. The primary bedroom has a large walk-in closet and 3/4 bath with more closet space. The second bedroom is a bright and sunny space. The hall bath includes a shower/tub bathing area. A large oversize garage holds 2-cars with room for a workbench. Access additional storage space in the shed from the garage. The furnace was replaced in 2022, hot water heater in 2019, roof in 2018 or 2019, and fresh exterior paint just last month! Easy commute to I-25 or Hwy-85. Shopping, restaurants, coffee, and gas all within minutes of this great location. Prairie Greens is a land lease community. Buyer purchases structures and leases the land. The land lease currently has a monthly fee of $785 and includes lease of land, road maintenance, street snow removal, clubhouse, fitness center, outdoor pool, and playground/park (NO HOA FEE - just land lease fee).

7800 Mountain View Drive Unit 288, Frederick

$270,000

2 Beds ⋅ 2 Baths ⋅ IR1010338 MLS

PRICE REDUCED - See it at the OPEN HOUSE, SATURDAY, AUG 17 FROM 2-3:30PM. Fresh exterior paint & the perfect location - a few steps from the community clubhouse, fitness center and outdoor pool. Built in 2006, this modular ranch home offers charm and character. 1x6 tongue and groove pine paneling accent walls grace the living room, hall and primary bedroom. The covered front porch invites you into a large living room with access to the eat-in kitchen. Expand your dining from the kitchen to the fenced patio to enjoy an expansive green space. The laundry room offers access to the garage. The primary bedroom has a large walk-in closet and 3/4 bath with more closet space. The second bedroom is a bright and sunny space. The hall bath includes a shower/tub bathing area. A large oversize garage holds 2-cars with room for a workbench. Access additional storage space in the shed from the garage. The furnace was replaced in 2022, hot water heater in 2019, roof in 2018 or 2019, and fresh exterior paint just last month! Easy commute to I-25 or Hwy-85. Shopping, restaurants, coffee, and gas all within minutes of this great location. Prairie Greens is a land lease community. Buyer purchases structures and leases the land. The land lease currently has a monthly fee of $785 and includes lease of land, road maintenance, street snow removal, clubhouse, fitness center, outdoor pool, and playground/park (NO HOA FEE - just land lease fee).

7800 Mountain View Drive, Frederick

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