USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Washington. 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 Washington 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.

Wasnington USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, WA $52,000$52,000 $52,000$52,000 $68,650
Bellingham, WA MSA $63,300$63,300 $63,300$63,300 $83,550
Bremerton-Silverdale, WA MSA $68,400$68,400 $68,400$68,400 $90,300
Clallam County, WA $53,200$53,200 $53,200$53,200 $70,200
Columbia County, WA HUD Metro FMR Area $52,000$52,000 $52,000$52,000 $68,650
Ferry County, WA $52,000$52,000 $52,000$52,000 $68,650
Garfield County, WA $54,300$54,300 $54,300$54,300 $71,700
Grant County, WA $52,000$52,000 $52,000$52,000 $68,650
Grays Harbor County, WA $52,000$52,000 $52,000$52,000 $68,650
Island County, WA $62,300$62,300 $62,300$62,300 $82,250
Jefferson County, WA $55,450$55,450 $55,450$55,450 $73,200
Kennewick-Richland, WA MSA $62,400$62,400 $62,400$62,400 $82,350
Kittitas County, WA $57,850$57,850 $57,850$57,850 $76,350
Klickitat County, WA $52,000$52,000 $52,000$52,000 $68,650
Lewis County, WA $52,000$52,000 $52,000$52,000 $68,650
Lewiston, ID-WA MSA $50,500$50,500 $50,500$50,500 $66,650
Lincoln County, WA $52,000$52,000 $52,000$52,000 $68,650
Longview, WA MSA $54,650$54,650 $54,650$54,650 $72,150
Mason County, WA $52,000$52,000 $52,000$52,000 $68,650
Mount Vernon-Anacortes, WA MSA $60,800$60,800 $60,800$60,800 $80,250
Okanogan County, WA $52,000$52,000 $52,000$52,000 $68,650
Olympia-Tumwater, WA MSA $66,950$66,950 $66,950$66,950 $88,350
Pacific County, WA $52,000$52,000 $52,000$52,000 $68,650
Pend Oreille County, WA HUD Metro FMR Area $52,000$52,000 $52,000$52,000 $68,650
Portland-Vancouver-Hillsboro, OR-WA MSA $70,300$70,300 $70,300$70,300 $92,800
San Juan County, WA $61,500$61,500 $61,500$61,500 $81,200
Seattle-Bellevue, WA HUD Metro FMR Area $88,550$88,550 $88,550$88,550 $116,900
Spokane, WA HUD Metro FMR Area $57,350$57,350 $57,350$57,350 $75,700
Stevens County, WA HUD Metro FMR Area $52,000$52,000 $52,000$52,000 $68,650
Tacoma, WA HUD Metro FMR Area $64,150$64,150 $64,150$64,150 $84,700
Wahkiakum County, WA $52,000$52,000 $52,000$52,000 $68,650
Walla Walla County, WA HUD Metro FMR Area $53,700$53,700 $53,700$53,700 $70,900
Wenatchee, WA MSA $54,700$54,700 $54,700$54,700 $72,200
Whitman County, WA $57,300$57,300 $57,300$57,300 $75,650
Yakima, WA MSA $52,000$52,000 $52,000$52,000 $68,650

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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