Yes. Bolton is in a USDA-eligible area, which means qualified buyers can purchase here with a zero-down USDA Guaranteed Loan. The income limit for Bolton (Tolland County) in 2026 is $137,000 for a household of 1 to 4 people and $180,850 for 5 to 8 people. Check your household below in about ten seconds, then confirm the specific address on the official USDA map.
Visit Bolton virtually → interactive map and street-level drive-through
USDA eligibility has two gates and both must pass. The property gate: the address must sit inside a USDA-designated eligible area. All of Bolton currently falls within one, but USDA decides at the parcel level, so the address gets confirmed on the official map before anyone counts on it. The income gate: total income of every adult in the household, not just the borrower, must fall under the county limit.
The income gate surprises people in the wrong direction. This is not a low-income program. A two-earner household in Bolton making $135,000 clears the limit with room to spare.
Income is half the test. The address is the other half, and only USDA's own map answers it. Takes under a minute:
Address came back eligible on the map and your income sits under the published limit? You have a scenario worth a loan officer's time. Bring both to us and an LO will verify eligibility and structure it.
No geography test, more flexible credit than USDA, and the usual next look when a household is over the USDA income limit. Annual mortgage insurance runs higher than USDA's 0.35% fee.
For stronger credit profiles. Mortgage insurance cancels once you reach 20% equity, which neither FHA nor USDA offers on the same terms.
Which one wins depends on income, credit, and the specific property. That comparison is a loan officer's job, and it costs you nothing to have one of ours run the options side by side.
Yes. Bolton sits in a USDA-eligible rural area on the current USDA Rural Development map. Buyers here can use the USDA Guaranteed Loan with no down payment, provided household income falls within the Tolland County limit and the specific address confirms as eligible on the official map.
$137,000 for households of 1 to 4 people, $180,850 for 5 to 8. Total income of all adults in the household counts, not just the borrower. Limits update annually, typically in June.
Yes, 100% financing. There is a 1% upfront guarantee fee that can be rolled into the loan and a 0.35% annual fee, lower than FHA's annual mortgage insurance.
Not necessarily. USDA allows deductions for dependents, childcare costs, and elderly household members before testing income against the limit. Households a few thousand over the gross limit sometimes qualify after deductions. Only a loan officer can run that math with your documents, and it is worth ten minutes before writing the program off.
Single-family homes, USDA-approved condos, and certain townhouses all work. No farm, no acreage requirement, no connection to agriculture needed.
Ten minutes with Hey Dave or a full application, your pick. We broker USDA, FHA, and conventional loans across CT, MA, and RI, and a loan officer will tell you plainly which one the numbers favor.
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