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
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
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.
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 |
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.
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 |
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.
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 |
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.
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 |
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.
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 |
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.
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 |
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.
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 |
USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Delaware. 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 Delaware 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.
Area | 1 Person | 2 Person |
3 Person | 4 Person |
5 Person |
|---|---|---|---|---|---|
| Dover, DE MSA | $37,150 | $42,450 | $47,750 | $53,050 | $57,300 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | $45,650 | $52,150 | $58,700 | $65,200 | $70,400 |
| Sussex County, DE HUD Metro FMR Area | $35,450 | $40,500 | $45,600 | $50,650 | $54,700 |
