Low Down Payment Mortgage Programs

Low Down Payment Mortgage

The mortgage down payment is a barrier faced by first-time home buyers for generations. Even if you have steady employment and good credit scores, a large down payment can be much harder to achieve. Read More

USDA Loan Requirements | 2018

USDA Loan Requirements

USDA home loans are one of two zero down mortgage programs still available in America to buy a new home.  As with any mortgage, there are groups of specific requirements that must be met before an applicant is approved. Read More

USDA Loans

USDA Loans

In today’s housing market, anyone looking to purchase a home with nothing down finds themselves with limited options. Fortunately, USDA home loans still offer 100% financing with low mortgage rates for home purchases. And these rural development loans can be used across most areas of the country. Don’t overlook the no-down payment mortgage options offer through USDA loans. Read More

Iowa USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Iowa. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in Iowa than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

Iowa USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adair County, IA $35,450$40,500 $45,600$50,650 $54,700
Adams County, IA $35,450$40,500 $45,600$50,650 $54,700
Allamakee County, IA $35,450$40,500 $45,600$50,650 $54,700
Ames, IA MSA $44,500$50,900 $57,250$63,600 $68,700
Appanoose County, IA $35,450$40,500 $45,600$50,650 $54,700
Audubon County, IA $35,550$40,650 $45,700$50,800 $54,850
Benton County, IA HUD Metro FMR Area $40,800$46,650 $52,450$58,300 $62,950
Boone County, IA $40,400$46,150 $51,950$57,700 $62,300
Bremer County, IA HUD Metro FMR Area $43,400$49,600 $55,800$62,000 $66,950
Buchanan County, IA $39,700$45,350 $51,050$56,700 $61,250
Buena Vista County, IA $35,450$40,500 $45,600$50,650 $54,700
Butler County, IA $36,400$41,600 $46,800$52,000 $56,150
Calhoun County, IA $35,450$40,500 $45,600$50,650 $54,700
Carroll County, IA $37,400$42,750 $48,100$53,450 $57,750
Cass County, IA $35,450$40,500 $45,600$50,650 $54,700
Cedar County, IA $39,850$45,500 $51,200$56,900 $61,450
Cedar Rapids, IA HUD Metro FMR Area $43,750$50,000 $56,250$62,500 $67,500
Cerro Gordo County, IA $36,200$41,350 $46,550$51,700 $55,850
Cherokee County, IA $35,450$40,500 $45,600$50,650 $54,700
Chickasaw County, IA $35,450$40,500 $45,600$50,650 $54,700
Clarke County, IA $35,450$40,500 $45,600$50,650 $54,700
Clay County, IA $37,150$42,500 $47,800$53,100 $57,350
Clayton County, IA $35,450$40,500 $45,600$50,650 $54,700
Clinton County, IA $38,000$43,400 $48,850$54,250 $58,600
Crawford County, IA $35,450$40,500 $45,600$50,650 $54,700
Davenport-Moline-Rock Island, IA-IL MSA $38,550$44,050 $49,550$55,050 $59,450
Davis County, IA $35,450$40,500 $45,600$50,650 $54,700
Decatur County, IA $35,450$40,500 $45,600$50,650 $54,700
Delaware County, IA $39,150$44,700 $50,300$55,900 $60,350
Des Moines County, IA $35,450$40,500 $45,600$50,650 $54,700
Des Moines-West Des Moines, IA MSA $43,050$49,200 $55,350$61,500 $66,400
Dickinson County, IA $37,350$42,700 $48,000$53,350 $57,600
Dubuque, IA MSA $38,850$44,400 $49,950$55,500 $59,950
Emmet County, IA $36,400$41,600 $46,800$52,000 $56,150
Fayette County, IA $35,450$40,500 $45,600$50,650 $54,700
Floyd County, IA $35,450$40,500 $45,600$50,650 $54,700
Franklin County, IA $35,450$40,500 $45,600$50,650 $54,700
Fremont County, IA $35,650$40,700 $45,800$50,900 $54,950
Greene County, IA $35,850$40,950 $46,100$51,200 $55,300
Grundy County, IA SEA $36,700$41,900 $47,150$52,400 $56,600
Hamilton County, IA $36,600$41,800 $47,050$52,250 $56,450
Hancock County, IA $35,450$40,500 $45,600$50,650 $54,700
Hardin County, IA $37,650$43,000 $48,400$53,750 $58,050
Henry County, IA $35,450$40,500 $45,600$50,650 $54,700
Howard County, IA $35,450$40,500 $45,600$50,650 $54,700
Humboldt County, IA $35,750$40,850 $45,950$51,050 $55,150
Ida County, IA $35,750$40,850 $45,950$51,050 $55,150
Iowa City, IA HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Iowa County, IA $42,200$48,250 $54,250$60,300 $65,100
Jackson County, IA $35,450$40,500 $45,600$50,650 $54,700
Jasper County, IA $36,600$41,800 $47,050$52,250 $56,450
Jefferson County, IA $35,450$40,500 $45,600$50,650 $54,700
Jones County, IA HUD Metro FMR Area $37,700$43,100 $48,450$53,850 $58,150
Keokuk County, IA $35,450$40,500 $45,600$50,650 $54,700
Kossuth County, IA $36,950$42,250 $47,500$52,800 $57,000
Lee County, IA $35,450$40,500 $45,600$50,650 $54,700
Louisa County, IA $35,450$40,500 $45,600$50,650 $54,700
Lucas County, IA $35,450$40,500 $45,600$50,650 $54,700
Lyon County, IA $35,900$41,050 $46,150$51,300 $55,400
Mahaska County, IA $36,050$41,200 $46,350$51,500 $55,600
Marion County, IA $39,850$45,500 $51,200$56,900 $61,450
Marshall County, IA $35,450$40,500 $45,600$50,650 $54,700
Mitchell County, IA $38,450$43,950 $49,450$54,950 $59,350
Monona County, IA $35,450$40,500 $45,600$50,650 $54,700
Monroe County, IA $35,450$40,500 $45,600$50,650 $54,700
Montgomery County, IA $35,450$40,500 $45,600$50,650 $54,700
Muscatine County, IA $36,850$42,100 $47,400$52,650 $56,850
O'Brien County, IA $36,750$42,000 $47,250$52,500 $56,700
Omaha-Council Bluffs, NE-IA HUD Metro FMR Area $40,900$46,700 $52,550$58,400 $63,050
Osceola County, IA $37,600$42,950 $48,350$53,700 $58,000
Page County, IA $35,450$40,500 $45,600$50,650 $54,700
Palo Alto County, IA $35,450$40,500 $45,600$50,650 $54,700
Plymouth County, IA HUD Metro FMR Area $42,650$48,750 $54,850$60,950 $65,850
Pocahontas County, IA $35,450$40,500 $45,600$50,650 $54,700
Poweshiek County, IA $39,150$44,700 $50,300$55,900 $60,350
Ringgold County, IA $35,450$40,500 $45,600$50,650 $54,700
Sac County, IA $35,650$40,700 $45,800$50,900 $54,950
Shelby County, IA $35,750$40,900 $46,000$51,100 $55,200
Sioux City, IA-NE-SD HUD Metro FMR Area $35,450$40,500 $45,600$50,650 $54,700
Sioux County, IA $38,550$44,050 $49,550$55,050 $59,450
Tama County, IA $35,450$40,500 $45,600$50,650 $54,700
Taylor County, IA $35,450$40,500 $45,600$50,650 $54,700
Union County, IA $35,450$40,500 $45,600$50,650 $54,700
Van Buren County, IA $35,450$40,500 $45,600$50,650 $54,700
Wapello County, IA $35,450$40,500 $45,600$50,650 $54,700
Washington County, IA HUD Metro FMR Area $38,450$43,950 $49,450$54,950 $59,350
Waterloo-Cedar Falls, IA HUD Metro FMR Area $36,700$41,900 $47,150$52,400 $56,600
Wayne County, IA $35,450$40,500 $45,600$50,650 $54,700
Webster County, IA $35,450$40,500 $45,600$50,650 $54,700
Winnebago County, IA $36,600$41,800 $47,050$52,250 $56,450
Winneshiek County, IA $38,550$44,050 $49,550$55,050 $59,450
Worth County, IA $35,450$40,500 $45,600$50,650 $54,700
Wright County, IA $35,450$40,500 $45,600$50,650 $54,700

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
Alabama USDA Direct Loan Limits

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Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
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Nebraska USDA Direct Income Limits
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Vermont USDA Direct Income Limits
Virginia USDA Direct Income Limits
Washington USDA Direct Income Limits
West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Indiana USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Indiana. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in Indiana than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

Indiana USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, IN $47,850$47,850 $47,850$47,850 $63,150
Anderson, IN HUD Metro FMR Area $51,300$51,300 $51,300$51,300 $67,700
Blackford County, IN $45,700$45,700 $45,700$45,700 $60,300
Bloomington, IN HUD Metro FMR Area $52,500$52,500 $52,500$52,500 $69,300
Carroll County, IN HUD Metro FMR Area $51,700$51,700 $51,700$51,700 $68,250
Cass County, IN $45,700$45,700 $45,700$45,700 $60,300
Cincinnati, OH-KY-IN HUD Metro FMR Area $57,050$57,050 $57,050$57,050 $75,300
Clinton County, IN $48,900$48,900 $48,900$48,900 $64,550
Columbus, IN MSA $54,550$54,550 $54,550$54,550 $72,000
Crawford County, IN $45,700$45,700 $45,700$45,700 $60,300
Daviess County, IN $46,550$46,550 $46,550$46,550 $61,450
Decatur County, IN $46,650$46,650 $46,650$46,650 $61,600
DeKalb County, IN $50,150$50,150 $50,150$50,150 $66,200
Dubois County, IN $56,000$56,000 $56,000$56,000 $73,900
Elkhart-Goshen, IN MSA $47,450$47,450 $47,450$47,450 $62,650
Evansville, IN-KY MSA $51,050$51,050 $51,050$51,050 $67,400
Fayette County, IN $45,700$45,700 $45,700$45,700 $60,300
Fort Wayne, IN MSA $51,050$51,050 $51,050$51,050 $67,400
Fountain County, IN $45,900$45,900 $45,900$45,900 $60,600
Franklin County, IN $57,050$57,050 $57,050$57,050 $75,300
Fulton County, IN $45,700$45,700 $45,700$45,700 $60,300
Gary, IN HUD Metro FMR Area $52,900$52,900 $52,900$52,900 $69,850
Gibson County, IN $53,300$53,300 $53,300$53,300 $70,350
Grant County, IN $45,700$45,700 $45,700$45,700 $60,300
Greene County, IN $45,700$45,700 $45,700$45,700 $60,300
Henry County, IN $45,700$45,700 $45,700$45,700 $60,300
Huntington County, IN $48,100$48,100 $48,100$48,100 $63,500
Indianapolis-Carmel-Anderson, IN HUD Metro FMR Area $54,950$54,950 $54,950$54,950 $72,550
Jackson County, IN $46,250$46,250 $46,250$46,250 $61,050
Jasper County, IN HUD Metro FMR Area $56,900$56,900 $56,900$56,900 $75,100
Jay County, IN $45,700$45,700 $45,700$45,700 $60,300
Jefferson County, IN $45,700$45,700 $45,700$45,700 $60,300
Jennings County, IN $45,700$45,700 $45,700$45,700 $60,300
Knox County, IN $45,700$45,700 $45,700$45,700 $60,300
Kokomo, IN MSA $49,750$49,750 $49,750$49,750 $65,650
Kosciusko County, IN $51,900$51,900 $51,900$51,900 $68,500
Lafayette-West Lafayette, IN HUD Metro FMR Area $52,550$52,550 $52,550$52,550 $69,350
LaGrange County, IN $47,200$47,200 $47,200$47,200 $62,300
Lawrence County, IN $45,700$45,700 $45,700$45,700 $60,300
Louisville, KY-IN HUD Metro FMR Area $53,600$53,600 $53,600$53,600 $70,750
Marshall County, IN $49,450$49,450 $49,450$49,450 $65,250
Martin County, IN $47,100$47,100 $47,100$47,100 $62,150
Miami County, IN $45,700$45,700 $45,700$45,700 $60,300
Michigan City-La Porte, IN MSA $49,900$49,900 $49,900$49,900 $65,850
Montgomery County, IN $49,450$49,450 $49,450$49,450 $65,250
Muncie, IN MSA $45,700$45,700 $45,700$45,700 $60,300
Noble County, IN $47,600$47,600 $47,600$47,600 $62,850
Orange County, IN $45,700$45,700 $45,700$45,700 $60,300
Owen County, IN HUD Metro FMR Area $45,700$45,700 $45,700$45,700 $60,300
Parke County, IN $45,700$45,700 $45,700$45,700 $60,300
Perry County, IN $48,700$48,700 $48,700$48,700 $64,300
Pike County, IN $45,700$45,700 $45,700$45,700 $60,300
Pulaski County, IN $45,700$45,700 $45,700$45,700 $60,300
Putnam County, IN HUD Metro FMR Area $50,500$50,500 $50,500$50,500 $66,650
Randolph County, IN $45,700$45,700 $45,700$45,700 $60,300
Ripley County, IN $51,100$51,100 $51,100$51,100 $67,450
Rush County, IN $46,800$46,800 $46,800$46,800 $61,800
Scott County, IN HUD Metro FMR Area $46,550$46,550 $46,550$46,550 $61,450
South Bend-Mishawaka, IN HUD Metro FMR Area $48,300$48,300 $48,300$48,300 $63,750
Spencer County, IN $54,000$54,000 $54,000$54,000 $71,300
Starke County, IN $45,700$45,700 $45,700$45,700 $60,300
Steuben County, IN $48,550$48,550 $48,550$48,550 $64,100
Sullivan County, IN HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Switzerland County, IN $45,700$45,700 $45,700$45,700 $60,300
Terre Haute, IN HUD Metro FMR Area $45,700$45,700 $45,700$45,700 $60,300
Tipton County, IN $49,750$49,750 $49,750$49,750 $65,650
Union County, IN HUD Metro FMR Area $47,050$47,050 $47,050$47,050 $62,100
Wabash County, IN $46,500$46,500 $46,500$46,500 $61,400
Warren County, IN $52,250$52,250 $52,250$52,250 $68,950
Washington County, IN HUD Metro FMR Area $42,250$42,250 $42,250$42,250 $55,750
Wayne County, IN $45,700$45,700 $45,700$45,700 $60,300
White County, IN $50,100$50,100 $50,100$50,100 $66,150

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
Alabama USDA Direct Loan Limits

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Maximum Applicant Income
Alabama USDA Direct Income Limits

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Texas USDA Direct Income Limits
Utah USDA Direct Income Limits
Vermont USDA Direct Income Limits
Virginia USDA Direct Income Limits
Washington USDA Direct Income Limits
West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Illinois USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Illinois. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in Illinois than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

Illinois USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, IL $34,550$39,500 $44,400$49,350 $53,300
Alexander County, IL SEA $30,850$35,300 $39,700$44,100 $47,650
Bloomington, IL HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Bond County, IL HUD Metro FMR Area $36,250$41,400 $46,600$51,750 $55,900
Brown County, IL $36,250$41,400 $46,600$51,750 $55,900
Bureau County, IL $34,800$39,750 $44,750$49,700 $53,700
Carroll County, IL $33,550$38,300 $43,100$47,900 $51,750
Cass County, IL $33,550$38,300 $43,100$47,900 $51,750
Champaign-Urbana, IL MSA $40,250$46,000 $51,750$57,500 $62,100
Chicago-Joliet-Naperville, IL HUD Metro FMR Area $43,050$49,200 $55,350$61,500 $66,400
Christian County, IL $33,550$38,300 $43,100$47,900 $51,750
Clark County, IL $33,550$38,300 $43,100$47,900 $51,750
Clay County, IL $33,550$38,300 $43,100$47,900 $51,750
Coles County, IL $33,600$38,400 $43,200$48,000 $51,850
Crawford County, IL $34,050$38,900 $43,800$48,650 $52,550
Cumberland County, IL $33,600$38,400 $43,200$48,000 $51,850
Danville, IL MSA $33,550$38,300 $43,100$47,900 $51,750
Davenport-Moline-Rock Island, IA-IL MSA $38,550$44,050 $49,550$55,050 $59,450
De Witt County, IL HUD Metro FMR Area $37,050$42,300 $47,600$52,900 $57,150
Decatur, IL MSA $33,800$38,600 $43,450$48,250 $52,100
DeKalb County, IL HUD Metro FMR Area $42,000$48,000 $54,000$60,000 $64,800
Douglas County, IL $37,800$43,200 $48,600$54,000 $58,300
Edgar County, IL $33,550$38,300 $43,100$47,900 $51,750
Edwards County, IL $33,550$38,300 $43,100$47,900 $51,750
Effingham County, IL $37,600$42,950 $48,350$53,700 $58,000
Fayette County, IL $33,550$38,300 $43,100$47,900 $51,750
Franklin County, IL $33,550$38,300 $43,100$47,900 $51,750
Fulton County, IL $33,550$38,300 $43,100$47,900 $51,750
Gallatin County, IL $33,550$38,300 $43,100$47,900 $51,750
Greene County, IL $33,550$38,300 $43,100$47,900 $51,750
Grundy County, IL HUD Metro FMR Area $45,550$52,050 $58,550$65,050 $70,250
Hamilton County, IL $33,550$38,300 $43,100$47,900 $51,750
Hancock County, IL $33,550$38,300 $43,100$47,900 $51,750
Hardin County, IL $33,550$38,300 $43,100$47,900 $51,750
Henderson County, IL $35,450$40,500 $45,600$50,650 $54,700
Iroquois County, IL $34,950$39,900 $44,900$49,900 $53,900
Jackson County, IL HUD Metro FMR Area $33,550$38,300 $43,100$47,900 $51,750
Jasper County, IL $34,150$39,050 $43,900$48,800 $52,700
Jefferson County, IL $33,550$38,300 $43,100$47,900 $51,750
Jo Daviess County, IL $36,600$41,800 $47,050$52,250 $56,450
Johnson County, IL $34,900$39,900 $44,850$49,850 $53,850
Kankakee, IL MSA $36,600$41,800 $47,050$52,250 $56,450
Kendall County, IL HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Knox County, IL $33,550$38,300 $43,100$47,900 $51,750
La Salle County, IL $36,950$42,250 $47,500$52,800 $57,000
Lawrence County, IL $33,550$38,300 $43,100$47,900 $51,750
Lee County, IL $37,450$42,800 $48,150$53,500 $57,800
Livingston County, IL $38,000$43,450 $48,850$54,300 $58,650
Logan County, IL $38,250$43,700 $49,200$54,650 $59,000
Macoupin County, IL HUD Metro FMR Area $35,550$40,650 $45,700$50,800 $54,850
Marion County, IL $33,550$38,300 $43,100$47,900 $51,750
Mason County, IL $33,550$38,300 $43,100$47,900 $51,750
Massac County, IL $33,550$38,300 $43,100$47,900 $51,750
McDonough County, IL $33,550$38,300 $43,100$47,900 $51,750
Montgomery County, IL $34,000$38,850 $43,700$48,550 $52,450
Morgan County, IL $36,500$41,700 $46,950$52,150 $56,300
Moultrie County, IL $34,050$38,900 $43,800$48,650 $52,550
Ogle County, IL $39,750$45,450 $51,100$56,800 $61,350
Peoria, IL MSA $38,900$44,500 $50,050$55,600 $60,050
Perry County, IL $33,550$38,300 $43,100$47,900 $51,750
Pike County, IL $33,550$38,300 $43,100$47,900 $51,750
Pope County, IL $33,550$38,300 $43,100$47,900 $51,750
Pulaski County, IL $33,550$38,300 $43,100$47,900 $51,750
Putnam County, IL $41,000$46,850 $52,700$58,550 $63,250
Randolph County, IL $35,650$40,750 $45,850$50,950 $55,050
Richland County, IL $33,550$38,300 $43,100$47,900 $51,750
Rockford, IL MSA $36,000$41,150 $46,300$51,450 $55,550
Saline County, IL $33,550$38,300 $43,100$47,900 $51,750
Schuyler County, IL $33,650$38,500 $43,300$48,100 $51,950
Scott County, IL $37,050$42,350 $47,650$52,950 $57,200
Shelby County, IL $33,600$38,400 $43,200$48,000 $51,850
Springfield, IL MSA $41,250$47,150 $53,050$58,950 $63,650
St. Louis, MO-IL HUD Metro FMR Area $39,400$45,050 $50,650$56,300 $60,800
Stephenson County, IL $33,550$38,300 $43,100$47,900 $51,750
Union County, IL $33,550$38,300 $43,100$47,900 $51,750
Wabash County, IL $35,300$40,300 $45,350$50,400 $54,450
Warren County, IL $33,550$38,300 $43,100$47,900 $51,750
Washington County, IL $39,000$44,550 $50,150$55,700 $60,150
Wayne County, IL $33,550$38,300 $43,100$47,900 $51,750
White County, IL $33,550$38,300 $43,100$47,900 $51,750
Whiteside County, IL $33,550$38,300 $43,100$47,900 $51,750
Williamson County, IL HUD Metro FMR Area $33,700$38,500 $43,350$48,150 $52,000

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Maximum Loan Amounts
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Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
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Virginia USDA Direct Income Limits
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West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Idaho USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Idaho. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in Idaho than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

Idaho USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, ID $29,300$33,500 $37,650$41,850 $45,200
Bear Lake County, ID $29,300$33,500 $37,650$41,850 $45,200
Benewah County, ID $29,300$33,500 $37,650$41,850 $45,200
Bingham County, ID $32,000$36,550 $41,150$45,700 $49,350
Blaine County, ID $45,150$51,600 $58,050$64,500 $69,650
Boise City, ID HUD Metro FMR Area $35,200$40,250 $45,250$50,300 $54,300
Bonner County, ID $31,350$35,850 $40,300$44,800 $48,400
Boundary County, ID $29,300$33,500 $37,650$41,850 $45,200
Butte County, ID HUD Metro FMR Area $29,300$33,500 $37,650$41,850 $45,200
Camas County, ID $30,150$34,500 $38,800$43,100 $46,550
Caribou County, ID $36,500$41,700 $46,950$52,150 $56,300
Cassia County, ID $30,700$35,100 $39,450$43,850 $47,350
Clark County, ID $29,300$33,500 $37,650$41,850 $45,200
Clearwater County, ID $29,300$33,500 $37,650$41,850 $45,200
Coeur d'Alene, ID MSA $34,350$39,300 $44,200$49,100 $53,050
Custer County, ID $36,600$41,800 $47,050$52,250 $56,450
Elmore County, ID $30,250$34,550 $38,900$43,200 $46,650
Fremont County, ID $31,250$35,700 $40,200$44,650 $48,200
Gem County, ID HUD Metro FMR Area $29,750$34,000 $38,250$42,500 $45,900
Gooding County, ID $29,300$33,500 $37,650$41,850 $45,200
Idaho County, ID $29,300$33,500 $37,650$41,850 $45,200
Idaho Falls, ID HUD Metro FMR Area $34,250$39,150 $44,050$48,950 $52,850
Jerome County, ID $29,300$33,500 $37,650$41,850 $45,200
Latah County, ID $35,000$40,000 $45,000$50,000 $54,000
Lemhi County, ID $31,300$35,750 $40,250$44,700 $48,300
Lewis County, ID $29,300$33,500 $37,650$41,850 $45,200
Lewiston, ID-WA MSA $33,650$38,500 $43,300$48,100 $51,950
Lincoln County, ID $30,050$34,350 $38,650$42,950 $46,400
Logan, UT-ID MSA $35,900$41,050 $46,150$51,300 $55,400
Madison County, ID $29,600$33,800 $38,050$42,250 $45,650
Minidoka County, ID $29,950$34,250 $38,500$42,800 $46,200
Oneida County, ID $32,000$36,550 $41,150$45,700 $49,350
Payette County, ID $30,900$35,300 $39,750$44,150 $47,700
Pocatello, ID MSA $33,700$38,500 $43,350$48,150 $52,000
Power County, ID $32,150$36,700 $41,300$45,900 $49,550
Shoshone County, ID $29,300$33,500 $37,650$41,850 $45,200
Teton County, ID $35,850$40,950 $46,100$51,200 $55,300
Twin Falls County, ID $30,650$35,000 $39,400$43,750 $47,250
Valley County, ID $37,300$42,650 $47,950$53,300 $57,550
Washington County, ID $29,300$33,500 $37,650$41,850 $45,200

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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Maximum Applicant Income
Alabama USDA Direct Income Limits

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Virginia USDA Direct Income Limits
Washington USDA Direct Income Limits
West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Hawaii USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Hawaii. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in Hawaii than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

Hawaii USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Hawaii County, HI $41,100$46,950 $52,850$58,700 $63,400
Honolulu, HI MSA $58,650$67,000 $75,400$83,750 $90,450
Kauai County, HI $55,000$62,850 $70,700$78,550 $84,850
Maui County, HI HUD Metro FMR Area $52,750$60,300 $67,800$75,350 $81,400

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
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California USDA Direct Income Limits
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Utah USDA Direct Income Limits
Vermont USDA Direct Income Limits
Virginia USDA Direct Income Limits
Washington USDA Direct Income Limits
West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Georgia USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Georgia. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in Georgia than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

Georgia USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Albany, GA MSA $39,500$39,500 $39,500$39,500 $52,150
Appling County, GA $37,900$37,900 $37,900$37,900 $50,050
Athens-Clarke County, GA MSA $47,500$47,500 $47,500$47,500 $62,700
Atkinson County, GA $37,100$37,100 $37,100$37,100 $49,000
Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area $57,450$57,450 $57,450$57,450 $75,850
Augusta-Richmond County, GA-SC HUD Metro FMR Area $47,300$47,300 $47,300$47,300 $62,450
Bacon County, GA $39,200$39,200 $39,200$39,200 $51,750
Baldwin County, GA $42,300$42,300 $42,300$42,300 $55,850
Banks County, GA $44,650$44,650 $44,650$44,650 $58,950
Ben Hill County, GA $37,100$37,100 $37,100$37,100 $49,000
Berrien County, GA $37,100$37,100 $37,100$37,100 $49,000
Bleckley County, GA $45,450$45,450 $45,450$45,450 $60,000
Brunswick, GA MSA $48,150$48,150 $48,150$48,150 $63,550
Bulloch County, GA $45,350$45,350 $45,350$45,350 $59,850
Butts County, GA HUD Metro FMR Area $51,750$51,750 $51,750$51,750 $68,300
Calhoun County, GA $37,850$37,850 $37,850$37,850 $49,950
Camden County, GA $52,300$52,300 $52,300$52,300 $69,050
Candler County, GA $37,100$37,100 $37,100$37,100 $49,000
Charlton County, GA $41,100$41,100 $41,100$41,100 $54,250
Chattanooga, TN-GA MSA $48,950$48,950 $48,950$48,950 $64,600
Chattooga County, GA $37,100$37,100 $37,100$37,100 $49,000
Clay County, GA $37,100$37,100 $37,100$37,100 $49,000
Clinch County, GA $37,900$37,900 $37,900$37,900 $50,050
Coffee County, GA $37,100$37,100 $37,100$37,100 $49,000
Colquitt County, GA $37,100$37,100 $37,100$37,100 $49,000
Columbus, GA-AL MSA $43,200$43,200 $43,200$43,200 $57,000
Cook County, GA $40,150$40,150 $40,150$40,150 $53,000
Crisp County, GA $37,100$37,100 $37,100$37,100 $49,000
Dalton, GA HUD Metro FMR Area $42,300$42,300 $42,300$42,300 $55,850
Decatur County, GA $37,900$37,900 $37,900$37,900 $50,050
Dodge County, GA $39,700$39,700 $39,700$39,700 $52,400
Dooly County, GA $37,100$37,100 $37,100$37,100 $49,000
Early County, GA $37,100$37,100 $37,100$37,100 $49,000
Elbert County, GA $37,100$37,100 $37,100$37,100 $49,000
Emanuel County, GA $37,100$37,100 $37,100$37,100 $49,000
Evans County, GA $38,500$38,500 $38,500$38,500 $50,800
Fannin County, GA $37,100$37,100 $37,100$37,100 $49,000
Franklin County, GA $39,100$39,100 $39,100$39,100 $51,650
Gainesville, GA MSA $49,600$49,600 $49,600$49,600 $65,450
Gilmer County, GA $38,550$38,550 $38,550$38,550 $50,900
Glascock County, GA $41,050$41,050 $41,050$41,050 $54,200
Gordon County, GA $42,550$42,550 $42,550$42,550 $56,150
Grady County, GA $37,100$37,100 $37,100$37,100 $49,000
Greene County, GA $41,600$41,600 $41,600$41,600 $54,900
Habersham County, GA $42,300$42,300 $42,300$42,300 $55,850
Hancock County, GA $37,100$37,100 $37,100$37,100 $49,000
Haralson County, GA HUD Metro FMR Area $39,500$39,500 $39,500$39,500 $52,150
Hart County, GA $40,500$40,500 $40,500$40,500 $53,450
Hinesville, GA HUD Metro FMR Area $40,000$40,000 $40,000$40,000 $52,800
Irwin County, GA $42,900$42,900 $42,900$42,900 $56,650
Jackson County, GA $50,150$50,150 $50,150$50,150 $66,200
Jeff Davis County, GA $37,100$37,100 $37,100$37,100 $49,000
Jefferson County, GA $37,100$37,100 $37,100$37,100 $49,000
Jenkins County, GA $37,100$37,100 $37,100$37,100 $49,000
Johnson County, GA $37,100$37,100 $37,100$37,100 $49,000
Lamar County, GA HUD Metro FMR Area $43,300$43,300 $43,300$43,300 $57,150
Laurens County, GA $41,050$41,050 $41,050$41,050 $54,200
Lincoln County, GA HUD Metro FMR Area $37,300$37,300 $37,300$37,300 $49,250
Long County, GA HUD Metro FMR Area $41,500$41,500 $41,500$41,500 $54,800
Lumpkin County, GA $46,650$46,650 $46,650$46,650 $61,600
Macon County, GA $37,100$37,100 $37,100$37,100 $49,000
Macon, GA HUD Metro FMR Area $44,000$44,000 $44,000$44,000 $58,100
Meriwether County, GA HUD Metro FMR Area $40,100$40,100 $40,100$40,100 $52,950
Miller County, GA $37,100$37,100 $37,100$37,100 $49,000
Mitchell County, GA $38,650$38,650 $38,650$38,650 $51,000
Monroe County, GA HUD Metro FMR Area $51,900$51,900 $51,900$51,900 $68,500
Montgomery County, GA $39,100$39,100 $39,100$39,100 $51,600
Morgan County, GA HUD Metro FMR Area $49,900$49,900 $49,900$49,900 $65,850
Murray County, GA HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Peach County, GA HUD Metro FMR Area $46,700$46,700 $46,700$46,700 $61,650
Pierce County, GA $40,100$40,100 $40,100$40,100 $52,950
Polk County, GA $40,500$40,500 $40,500$40,500 $53,450
Pulaski County, GA HUD Metro FMR Area $41,500$41,500 $41,500$41,500 $54,800
Putnam County, GA $43,100$43,100 $43,100$43,100 $56,900
Quitman County, GA $37,100$37,100 $37,100$37,100 $49,000
Rabun County, GA $42,900$42,900 $42,900$42,900 $56,650
Randolph County, GA $37,100$37,100 $37,100$37,100 $49,000
Rome, GA MSA $42,250$42,250 $42,250$42,250 $55,750
Savannah, GA MSA $50,800$50,800 $50,800$50,800 $67,050
Schley County, GA $43,600$43,600 $43,600$43,600 $57,550
Screven County, GA $39,750$39,750 $39,750$39,750 $52,450
Seminole County, GA $37,100$37,100 $37,100$37,100 $49,000
Stephens County, GA $38,550$38,550 $38,550$38,550 $50,900
Stewart County, GA $37,100$37,100 $37,100$37,100 $49,000
Sumter County, GA $37,100$37,100 $37,100$37,100 $49,000
Talbot County, GA $38,700$38,700 $38,700$38,700 $51,100
Taliaferro County, GA $38,250$38,250 $38,250$38,250 $50,500
Tattnall County, GA $39,700$39,700 $39,700$39,700 $52,400
Taylor County, GA $37,100$37,100 $37,100$37,100 $49,000
Telfair County, GA $37,100$37,100 $37,100$37,100 $49,000
Thomas County, GA $41,500$41,500 $41,500$41,500 $54,800
Tift County, GA $39,750$39,750 $39,750$39,750 $52,450
Toombs County, GA $40,250$40,250 $40,250$40,250 $53,150
Towns County, GA $41,100$41,100 $41,100$41,100 $54,250
Treutlen County, GA $39,050$39,050 $39,050$39,050 $51,550
Troup County, GA $41,600$41,600 $41,600$41,600 $54,900
Turner County, GA $37,100$37,100 $37,100$37,100 $49,000
Union County, GA $43,100$43,100 $43,100$43,100 $56,900
Upson County, GA $37,100$37,100 $37,100$37,100 $49,000
Valdosta, GA MSA $40,700$40,700 $40,700$40,700 $53,700
Ware County, GA $39,350$39,350 $39,350$39,350 $51,950
Warner Robins, GA HUD Metro FMR Area $57,100$57,100 $57,100$57,100 $75,350
Warren County, GA $37,100$37,100 $37,100$37,100 $49,000
Washington County, GA $39,300$39,300 $39,300$39,300 $51,900
Wayne County, GA $41,900$41,900 $41,900$41,900 $55,300
Webster County, GA $41,850$41,850 $41,850$41,850 $55,250
Wheeler County, GA $38,300$38,300 $38,300$38,300 $50,550
White County, GA $43,700$43,700 $43,700$43,700 $57,700
Wilcox County, GA $37,100$37,100 $37,100$37,100 $49,000
Wilkes County, GA $37,100$37,100 $37,100$37,100 $49,000
Wilkinson County, GA $39,500$39,500 $39,500$39,500 $52,150

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
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California USDA Direct Income Limits
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Minnesota USDA Direct Income Limits
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Missouri USDA Direct Income Limits
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Nebraska USDA Direct Income Limits
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New Hampshire Direct Income Limits
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Texas USDA Direct Income Limits
Utah USDA Direct Income Limits
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Virginia USDA Direct Income Limits
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West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Florida USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Florida. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in Florida than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

Florida USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Baker County, FL HUD Metro FMR Area $48,300$48,300 $48,300$48,300 $63,750
Bradford County, FL $41,500$41,500 $41,500$41,500 $54,800
Calhoun County, FL $38,400$38,400 $38,400$38,400 $50,700
Cape Coral-Fort Myers, FL MSA $49,300$49,300 $49,300$49,300 $65,100
Columbia County, FL $40,000$40,000 $40,000$40,000 $52,800
Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area $54,700$54,700 $54,700$54,700 $72,200
Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area $46,300$46,300 $46,300$46,300 $61,100
DeSoto County, FL $38,400$38,400 $38,400$38,400 $50,700
Dixie County, FL $39,850$39,850 $39,850$39,850 $52,600
Fort Lauderdale, FL HUD Metro FMR Area $63,350$63,350 $63,350$63,350 $83,600
Franklin County, FL $41,100$41,100 $41,100$41,100 $54,250
Gainesville, FL MSA $51,050$51,050 $51,050$51,050 $67,400
Glades County, FL $38,800$38,800 $38,800$38,800 $51,200
Gulf County, FL HUD Metro FMR Area $41,200$41,200 $41,200$41,200 $54,400
Hamilton County, FL $40,800$40,800 $40,800$40,800 $53,850
Hardee County, FL $38,400$38,400 $38,400$38,400 $50,700
Hendry County, FL $38,400$38,400 $38,400$38,400 $50,700
Holmes County, FL $38,400$38,400 $38,400$38,400 $50,700
Homosassa Springs, FL MSA $40,650$40,650 $40,650$40,650 $53,650
Jackson County, FL $43,750$43,750 $43,750$43,750 $57,750
Jacksonville, FL HUD Metro FMR Area $53,850$53,850 $53,850$53,850 $71,100
Lafayette County, FL $45,700$45,700 $45,700$45,700 $60,300
Lakeland-Winter Haven, FL MSA $43,600$43,600 $43,600$43,600 $57,550
Levy County, FL $38,400$38,400 $38,400$38,400 $50,700
Liberty County, FL $45,350$45,350 $45,350$45,350 $59,850
Madison County, FL $38,500$38,500 $38,500$38,500 $50,800
Miami-Miami Beach-Kendall, FL HUD Metro FMR Area $56,800$56,800 $56,800$56,800 $75,000
Monroe County, FL $76,250$76,250 $76,250$76,250 $100,650
Naples-Immokalee-Marco Island, FL MSA $58,250$58,250 $58,250$58,250 $76,900
North Port-Sarasota-Bradenton, FL MSA $52,300$52,300 $52,300$52,300 $69,050
Ocala, FL MSA $40,400$40,400 $40,400$40,400 $53,350
Okeechobee County, FL $39,850$39,850 $39,850$39,850 $52,600
Orlando-Kissimmee-Sanford, FL MSA $49,050$49,050 $49,050$49,050 $64,750
Palm Bay-Melbourne-Titusville, FL MSA $50,300$50,300 $50,300$50,300 $66,400
Palm Coast, FL HUD Metro FMR Area $48,250$48,250 $48,250$48,250 $63,700
Panama City-Lynn Haven-Panama City Beach, FL HUD Metro FMR A $47,600$47,600 $47,600$47,600 $62,850
Pensacola-Ferry Pass-Brent, FL MSA $49,450$49,450 $49,450$49,450 $65,250
Port St. Lucie, FL MSA $47,850$47,850 $47,850$47,850 $63,150
Punta Gorda, FL MSA $46,700$46,700 $46,700$46,700 $61,650
Putnam County, FL $38,400$38,400 $38,400$38,400 $50,700
Sebastian-Vero Beach, FL MSA $47,700$47,700 $47,700$47,700 $62,950
Sebring, FL MSA $38,400$38,400 $38,400$38,400 $50,700
Suwannee County, FL $38,400$38,400 $38,400$38,400 $50,700
Tallahassee, FL HUD Metro FMR Area $52,100$52,100 $52,100$52,100 $68,750
Tampa-St. Petersburg-Clearwater, FL MSA $47,500$47,500 $47,500$47,500 $62,700
Taylor County, FL $40,000$40,000 $40,000$40,000 $52,800
The Villages, FL MSA $47,600$47,600 $47,600$47,600 $62,850
Union County, FL $45,850$45,850 $45,850$45,850 $60,500
Wakulla County, FL HUD Metro FMR Area $53,450$53,450 $53,450$53,450 $70,550
Walton County, FL HUD Metro FMR Area $47,200$47,200 $47,200$47,200 $62,300
Washington County, FL $39,750$39,750 $39,750$39,750 $52,450
West Palm Beach-Boca Raton, FL HUD Metro FMR Area $60,900$60,900 $60,900$60,900 $80,400

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
Alabama USDA Direct Loan Limits

Alaska USDA Direct Loan Limits
Arizona USDA Direct Loan Limits
Arkansas USDA Direct Loan Limits
California USDA Direct Loan Limits
Colorado USDA Direct Loan Limits
Connecticut USDA Direct Loan Limits
Delaware USDA Direct Loan Limits
Florida USDA Direct Loan Limits
Georgia USDA Direct Loan Limits
Hawaii USDA Direct Loan Limits
Illinois USDA Direct Loan Limits
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Iowa USDA Direct Loan Limits
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Minnesota USDA Direct Loan Limits
Mississippi USDA Direct Loan Limits
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Nebraska USDA Direct Loan Limits
Nevada USDA Direct Loan Limits
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North Dakota USDA Direct Loan Limits
Ohio USDA Direct Loan Limits
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Texas USDA Direct Loan Limits
Utah USDA Direct Loan Limits
Vermont USDA Direct Loan Limits
Virginia USDA Direct Loan Limits
Washington USDA Direct Loan Limits
West Virginia USDA Direct Loan Limits
Wisconsin USDA Direct Loan Limits
Wyoming USDA Direct Loan Limits
Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
Arizona USDA Direct Income Limits
Arkansas USDA Direct Income Limits
California USDA Direct Income Limits
Colorado USDA Direct Income Limits
Connecticut USDA Direct Income Limits
Delaware USDA Direct Income Limits
Florida USDA Direct Income Limits
Georgia USDA Direct Income Limits
Hawaii USDA Direct Income Limits
Illinois USDA Direct Income Limits
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Iowa USDA Direct Income Limits
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Nebraska USDA Direct Income Limits
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Texas USDA Direct Income Limits
Utah USDA Direct Income Limits
Vermont USDA Direct Income Limits
Virginia USDA Direct Income Limits
Washington USDA Direct Income Limits
West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

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