The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Wisconsin aren’t the same thing as USDA Section 502 Guaranteed Loans in Wisconsin. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Wisconsin?

USDA Loan RequirementsUSDA Direct Loans in Wisconsin are low income loans that can be used to purchase homes in rural areas. 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). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of WI is $61,747, although that figure may vary from county to county. The maximum yearly income limits for Wisconsin USDA Direct Loan approval are listed below. Other than meeting Wisconsin USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

  • You have no decent clean, safe, and sanitary housing presently.
  • You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
  • You must use this property for your primary residence.
  • You must possess the legal capacity to be able to contract a loan
  • You must meet citizenship or eligible noncitizen requirements.
  • You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

  • Be a modestly sized home for that area.
  • Market value can’t be in excess of the areas applicable loan limit.
  • Can’t be designed for the production of income.

What areas in WI are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in WI here.

How much can I borrow with a USDA Direct Home Loan?

The size of the mortgage that an applicant’s eligible for depends on their ability to repay. Rural Development takes into account income, assets, debt, and payment assistance when weighing eligibility for USDA Direct home loans. No matter what the repayment ability is, you can’t borrow more than the local loan limit for the county where the home is located.

Are there other mortgage options with low down payment or no down payment in Wisconsin?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Wisconsin besides USDA Direct Loans. You can begin by researching Wisconsin USDA Guaranteed Loans, Wisconsin FHA Loans, and Wisconsin VA Loans if you’re a veteran in WI or qualified family member. You may also want to look into helpful programs for down payment assistance in Wisconsin.

Wisconsin USDA Direct Loan Maximum Income Limits

1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, WI $54,700$54,700 $54,700$54,700 $72,200
Appleton, WI MSA $67,050$67,050 $67,050$67,050 $88,500
Ashland County, WI $54,700$54,700 $54,700$54,700 $72,200
Barron County, WI $54,700$54,700 $54,700$54,700 $72,200
Bayfield County, WI $54,700$54,700 $54,700$54,700 $72,200
Buffalo County, WI $54,700$54,700 $54,700$54,700 $72,200
Burnett County, WI $54,700$54,700 $54,700$54,700 $72,200
Clark County, WI $54,700$54,700 $54,700$54,700 $72,200
Columbia County, WI HUD Metro FMR Area $62,650$62,650 $62,650$62,650 $82,700
Crawford County, WI $54,700$54,700 $54,700$54,700 $72,200
Dodge County, WI $59,750$59,750 $59,750$59,750 $78,850
Door County, WI $57,300$57,300 $57,300$57,300 $75,650
Duluth, MN-WI MSA $57,900$57,900 $57,900$57,900 $76,450
Dunn County, WI $55,300$55,300 $55,300$55,300 $73,000
Eau Claire, WI MSA $58,650$58,650 $58,650$58,650 $77,400
Florence County, WI $54,700$54,700 $54,700$54,700 $72,200
Fond du Lac, WI MSA $60,250$60,250 $60,250$60,250 $79,550
Forest County, WI $54,700$54,700 $54,700$54,700 $72,200
Grant County, WI $54,700$54,700 $54,700$54,700 $72,200
Green Bay, WI HUD Metro FMR Area $65,450$65,450 $65,450$65,450 $86,400
Green County, WI HUD Metro FMR Area $61,500$61,500 $61,500$61,500 $81,200
Green Lake County, WI $54,700$54,700 $54,700$54,700 $72,200
Iowa County, WI HUD Metro FMR Area $59,700$59,700 $59,700$59,700 $78,800
Iron County, WI $54,700$54,700 $54,700$54,700 $72,200
Jackson County, WI $54,700$54,700 $54,700$54,700 $72,200
Janesville-Beloit, WI MSA $54,700$54,700 $54,700$54,700 $72,200
Jefferson County, WI $61,850$61,850 $61,850$61,850 $81,650
Juneau County, WI $54,700$54,700 $54,700$54,700 $72,200
Kenosha County, WI HUD Metro FMR Area $65,300$65,300 $65,300$65,300 $86,200
La Crosse-Onalaska, WI-MN MSA $62,900$62,900 $62,900$62,900 $83,050
Lafayette County, WI $54,700$54,700 $54,700$54,700 $72,200
Langlade County, WI $54,700$54,700 $54,700$54,700 $72,200
Lincoln County, WI $54,700$54,700 $54,700$54,700 $72,200
Madison, WI HUD Metro FMR Area $75,500$75,500 $75,500$75,500 $99,650
Manitowoc County, WI $55,100$55,100 $55,100$55,100 $72,750
Marinette County, WI $54,700$54,700 $54,700$54,700 $72,200
Marquette County, WI $54,700$54,700 $54,700$54,700 $72,200
Menominee County, WI $54,700$54,700 $54,700$54,700 $72,200
Milwaukee-Waukesha-West Allis, WI MSA $65,850$65,850 $65,850$65,850 $86,900
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area $75,500$75,500 $75,500$75,500 $99,650
Monroe County, WI $55,350$55,350 $55,350$55,350 $73,050
Oconto County, WI HUD Metro FMR Area $55,350$55,350 $55,350$55,350 $73,050
Oneida County, WI $54,700$54,700 $54,700$54,700 $72,200
Oshkosh-Neenah, WI MSA $62,550$62,550 $62,550$62,550 $82,550
Pepin County, WI $55,700$55,700 $55,700$55,700 $73,500
Polk County, WI $54,700$54,700 $54,700$54,700 $72,200
Portage County, WI $61,300$61,300 $61,300$61,300 $80,900
Price County, WI $54,700$54,700 $54,700$54,700 $72,200
Racine, WI MSA $60,000$60,000 $60,000$60,000 $79,200
Richland County, WI $54,700$54,700 $54,700$54,700 $72,200
Rusk County, WI $54,700$54,700 $54,700$54,700 $72,200
Sauk County, WI $56,400$56,400 $56,400$56,400 $74,450
Sawyer County, WI $54,700$54,700 $54,700$54,700 $72,200
Shawano County, WI $54,700$54,700 $54,700$54,700 $72,200
Sheboygan, WI MSA $61,500$61,500 $61,500$61,500 $81,200
Taylor County, WI $54,700$54,700 $54,700$54,700 $72,200
Trempealeau County, WI $56,250$56,250 $56,250$56,250 $74,250
Vernon County, WI $54,700$54,700 $54,700$54,700 $72,200
Vilas County, WI $54,700$54,700 $54,700$54,700 $72,200
Walworth County, WI $62,650$62,650 $62,650$62,650 $82,700
Washburn County, WI $54,700$54,700 $54,700$54,700 $72,200
Waupaca County, WI $54,800$54,800 $54,800$54,800 $72,350
Wausau, WI MSA $58,550$58,550 $58,550$58,550 $77,300
Waushara County, WI $54,700$54,700 $54,700$54,700 $72,200
Wood County, WI $56,500$56,500 $56,500$56,500 $74,600

More USDA Loan Resources

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
USDA Loan Calculator

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