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.

Idaho USDA Direct Loan Maximum Income Limits

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

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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