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

Arkansas USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Arkansas County, AR $42,550$42,550 $42,550$42,550 $56,150
Ashley County, AR $41,700$41,700 $41,700$41,700 $55,050
Baxter County, AR $41,700$41,700 $41,700$41,700 $55,050
Boone County, AR $41,700$41,700 $41,700$41,700 $55,050
Bradley County, AR $41,700$41,700 $41,700$41,700 $55,050
Calhoun County, AR $41,700$41,700 $41,700$41,700 $55,050
Carroll County, AR $42,250$42,250 $42,250$42,250 $55,750
Chicot County, AR $41,700$41,700 $41,700$41,700 $55,050
Clark County, AR $44,500$44,500 $44,500$44,500 $58,750
Clay County, AR $41,700$41,700 $41,700$41,700 $55,050
Cleburne County, AR $45,600$45,600 $45,600$45,600 $60,200
Columbia County, AR $44,100$44,100 $44,100$44,100 $58,200
Conway County, AR $42,900$42,900 $42,900$42,900 $56,650
Cross County, AR $41,700$41,700 $41,700$41,700 $55,050
Dallas County, AR $41,700$41,700 $41,700$41,700 $55,050
Desha County, AR $41,700$41,700 $41,700$41,700 $55,050
Drew County, AR $41,700$41,700 $41,700$41,700 $55,050
Fayetteville-Springdale-Rogers, AR HUD Metro FMR Area $55,900$55,900 $55,900$55,900 $73,800
Fort Smith, AR-OK HUD Metro FMR Area $42,300$42,300 $42,300$42,300 $55,850
Franklin County, AR $41,700$41,700 $41,700$41,700 $55,050
Fulton County, AR $41,700$41,700 $41,700$41,700 $55,050
Grant County, AR HUD Metro FMR Area $50,950$50,950 $50,950$50,950 $67,250
Greene County, AR $45,200$45,200 $45,200$45,200 $59,650
Hempstead County, AR $41,700$41,700 $41,700$41,700 $55,050
Hot Spring County, AR $43,200$43,200 $43,200$43,200 $57,000
Hot Springs, AR MSA $46,300$46,300 $46,300$46,300 $61,100
Howard County, AR $41,700$41,700 $41,700$41,700 $55,050
Independence County, AR $41,700$41,700 $41,700$41,700 $55,050
Izard County, AR $41,700$41,700 $41,700$41,700 $55,050
Jackson County, AR $41,700$41,700 $41,700$41,700 $55,050
Johnson County, AR $41,700$41,700 $41,700$41,700 $55,050
Jonesboro, AR HUD Metro FMR Area $44,950$44,950 $44,950$44,950 $59,350
Lafayette County, AR $41,700$41,700 $41,700$41,700 $55,050
Lawrence County, AR $41,700$41,700 $41,700$41,700 $55,050
Lee County, AR $41,700$41,700 $41,700$41,700 $55,050
Little River County, AR HUD Metro FMR Area $41,900$41,900 $41,900$41,900 $55,300
Little Rock-North Little Rock-Conway, AR HUD Metro FMR Area $55,700$55,700 $55,700$55,700 $73,500
Logan County, AR $41,700$41,700 $41,700$41,700 $55,050
Marion County, AR $41,700$41,700 $41,700$41,700 $55,050
Memphis, TN-MS-AR HUD Metro FMR Area $52,700$52,700 $52,700$52,700 $69,550
Mississippi County, AR $41,700$41,700 $41,700$41,700 $55,050
Monroe County, AR $41,700$41,700 $41,700$41,700 $55,050
Montgomery County, AR $41,700$41,700 $41,700$41,700 $55,050
Nevada County, AR $41,700$41,700 $41,700$41,700 $55,050
Newton County, AR $41,700$41,700 $41,700$41,700 $55,050
Ouachita County, AR $41,700$41,700 $41,700$41,700 $55,050
Phillips County, AR $41,700$41,700 $41,700$41,700 $55,050
Pike County, AR $41,700$41,700 $41,700$41,700 $55,050
Pine Bluff, AR MSA $41,700$41,700 $41,700$41,700 $55,050
Poinsett County, AR HUD Metro FMR Area $41,700$41,700 $41,700$41,700 $55,050
Polk County, AR $41,700$41,700 $41,700$41,700 $55,050
Pope County, AR $42,900$42,900 $42,900$42,900 $56,650
Prairie County, AR $41,700$41,700 $41,700$41,700 $55,050
Randolph County, AR $41,700$41,700 $41,700$41,700 $55,050
Scott County, AR $41,700$41,700 $41,700$41,700 $55,050
Searcy County, AR $41,700$41,700 $41,700$41,700 $55,050
Sevier County, AR $42,900$42,900 $42,900$42,900 $56,650
Sharp County, AR $41,700$41,700 $41,700$41,700 $55,050
St. Francis County, AR $41,700$41,700 $41,700$41,700 $55,050
Stone County, AR $41,700$41,700 $41,700$41,700 $55,050
Texarkana, TX-Texarkana, AR HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Union County, AR $42,550$42,550 $42,550$42,550 $56,150
Van Buren County, AR $41,700$41,700 $41,700$41,700 $55,050
White County, AR $45,200$45,200 $45,200$45,200 $59,650
Woodruff County, AR $41,700$41,700 $41,700$41,700 $55,050
Yell County, AR $41,700$41,700 $41,700$41,700 $55,050

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
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