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

Alabama USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Anniston-Oxford-Jacksonville, AL MSA $29,750$34,000 $38,250$42,500 $45,900
Auburn-Opelika, AL MSA $35,500$40,550 $45,650$50,700 $54,750
Barbour County, AL $27,150$31,050 $34,900$38,800 $41,900
Birmingham-Hoover, AL HUD Metro FMR Area $35,850$40,950 $46,100$51,200 $55,300
Bullock County, AL $27,150$31,050 $34,900$38,800 $41,900
Butler County, AL $27,150$31,050 $34,900$38,800 $41,900
Chambers County, AL $27,150$31,050 $34,900$38,800 $41,900
Cherokee County, AL $28,350$32,400 $36,450$40,500 $43,750
Chilton County, AL HUD Metro FMR Area $30,050$34,300 $38,600$42,900 $46,350
Choctaw County, AL $27,150$31,050 $34,900$38,800 $41,900
Clarke County, AL $27,150$31,050 $34,900$38,800 $41,900
Clay County, AL $27,150$31,050 $34,900$38,800 $41,900
Cleburne County, AL $27,350$31,250 $35,150$39,050 $42,150
Coffee County, AL $34,650$39,600 $44,550$49,500 $53,450
Columbus, GA-AL MSA $30,250$34,550 $38,900$43,200 $46,650
Conecuh County, AL $27,150$31,050 $34,900$38,800 $41,900
Coosa County, AL $28,650$32,700 $36,800$40,900 $44,150
Covington County, AL $27,150$31,050 $34,900$38,800 $41,900
Crenshaw County, AL $29,900$34,150 $38,450$42,700 $46,100
Cullman County, AL $28,900$33,050 $37,150$41,300 $44,600
Dale County, AL $32,750$37,450 $42,100$46,800 $50,550
Dallas County, AL $27,150$31,050 $34,900$38,800 $41,900
Daphne-Fairhope-Foley, AL MSA $35,500$40,550 $45,650$50,700 $54,750
Decatur, AL MSA $31,450$35,950 $40,450$44,950 $48,550
DeKalb County, AL $27,700$31,700 $35,650$39,600 $42,750
Dothan, AL HUD Metro FMR Area $30,050$34,300 $38,600$42,900 $46,350
Escambia County, AL $27,150$31,050 $34,900$38,800 $41,900
Fayette County, AL $27,150$31,050 $34,900$38,800 $41,900
Florence-Muscle Shoals, AL MSA $30,900$35,300 $39,750$44,150 $47,700
Franklin County, AL $28,050$32,100 $36,100$40,100 $43,300
Gadsden, AL MSA $28,650$32,750 $36,850$40,950 $44,250
Greene County, AL $31,650$36,150 $40,700$45,200 $48,800
Henry County, AL HUD Metro FMR Area $31,450$35,950 $40,450$44,950 $48,550
Huntsville, AL MSA $41,350$47,250 $53,150$59,050 $63,750
Jackson County, AL $28,750$32,850 $36,950$41,050 $44,350
Lamar County, AL $27,150$31,050 $34,900$38,800 $41,900
Macon County, AL $27,150$31,050 $34,900$38,800 $41,900
Marengo County, AL $27,650$31,600 $35,550$39,500 $42,650
Marion County, AL $27,150$31,050 $34,900$38,800 $41,900
Marshall County, AL $28,750$32,850 $36,950$41,050 $44,350
Mobile, AL MSA $30,150$34,500 $38,800$43,100 $46,550
Monroe County, AL $27,150$31,050 $34,900$38,800 $41,900
Montgomery, AL MSA $34,450$39,350 $44,300$49,200 $53,150
Perry County, AL $27,150$31,050 $34,900$38,800 $41,900
Pickens County, AL HUD Metro FMR Area $27,150$31,050 $34,900$38,800 $41,900
Pike County, AL $27,150$31,050 $34,900$38,800 $41,900
Randolph County, AL $27,150$31,050 $34,900$38,800 $41,900
Sumter County, AL $27,150$31,050 $34,900$38,800 $41,900
Talladega County, AL $27,450$31,350 $35,300$39,200 $42,350
Tallapoosa County, AL $28,850$32,950 $37,100$41,200 $44,500
Tuscaloosa, AL HUD Metro FMR Area $31,650$36,150 $40,700$45,200 $48,800
Walker County, AL HUD Metro FMR Area $27,250$31,150 $35,050$38,950 $42,050
Washington County, AL $31,750$36,300 $40,800$45,350 $49,000
Wilcox County, AL $27,150$31,050 $34,900$38,800 $41,900
Winston County, AL $27,150$31,050 $34,900$38,800 $41,900

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Maximum Applicant Income
Alabama USDA Direct Income Limits

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