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

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Direct Loans are less common in Illinois 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.

Illinois USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, IL $34,550$39,500 $44,400$49,350 $53,300
Alexander County, IL SEA $30,850$35,300 $39,700$44,100 $47,650
Bloomington, IL HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Bond County, IL HUD Metro FMR Area $36,250$41,400 $46,600$51,750 $55,900
Brown County, IL $36,250$41,400 $46,600$51,750 $55,900
Bureau County, IL $34,800$39,750 $44,750$49,700 $53,700
Carroll County, IL $33,550$38,300 $43,100$47,900 $51,750
Cass County, IL $33,550$38,300 $43,100$47,900 $51,750
Champaign-Urbana, IL MSA $40,250$46,000 $51,750$57,500 $62,100
Chicago-Joliet-Naperville, IL HUD Metro FMR Area $43,050$49,200 $55,350$61,500 $66,400
Christian County, IL $33,550$38,300 $43,100$47,900 $51,750
Clark County, IL $33,550$38,300 $43,100$47,900 $51,750
Clay County, IL $33,550$38,300 $43,100$47,900 $51,750
Coles County, IL $33,600$38,400 $43,200$48,000 $51,850
Crawford County, IL $34,050$38,900 $43,800$48,650 $52,550
Cumberland County, IL $33,600$38,400 $43,200$48,000 $51,850
Danville, IL MSA $33,550$38,300 $43,100$47,900 $51,750
Davenport-Moline-Rock Island, IA-IL MSA $38,550$44,050 $49,550$55,050 $59,450
De Witt County, IL HUD Metro FMR Area $37,050$42,300 $47,600$52,900 $57,150
Decatur, IL MSA $33,800$38,600 $43,450$48,250 $52,100
DeKalb County, IL HUD Metro FMR Area $42,000$48,000 $54,000$60,000 $64,800
Douglas County, IL $37,800$43,200 $48,600$54,000 $58,300
Edgar County, IL $33,550$38,300 $43,100$47,900 $51,750
Edwards County, IL $33,550$38,300 $43,100$47,900 $51,750
Effingham County, IL $37,600$42,950 $48,350$53,700 $58,000
Fayette County, IL $33,550$38,300 $43,100$47,900 $51,750
Franklin County, IL $33,550$38,300 $43,100$47,900 $51,750
Fulton County, IL $33,550$38,300 $43,100$47,900 $51,750
Gallatin County, IL $33,550$38,300 $43,100$47,900 $51,750
Greene County, IL $33,550$38,300 $43,100$47,900 $51,750
Grundy County, IL HUD Metro FMR Area $45,550$52,050 $58,550$65,050 $70,250
Hamilton County, IL $33,550$38,300 $43,100$47,900 $51,750
Hancock County, IL $33,550$38,300 $43,100$47,900 $51,750
Hardin County, IL $33,550$38,300 $43,100$47,900 $51,750
Henderson County, IL $35,450$40,500 $45,600$50,650 $54,700
Iroquois County, IL $34,950$39,900 $44,900$49,900 $53,900
Jackson County, IL HUD Metro FMR Area $33,550$38,300 $43,100$47,900 $51,750
Jasper County, IL $34,150$39,050 $43,900$48,800 $52,700
Jefferson County, IL $33,550$38,300 $43,100$47,900 $51,750
Jo Daviess County, IL $36,600$41,800 $47,050$52,250 $56,450
Johnson County, IL $34,900$39,900 $44,850$49,850 $53,850
Kankakee, IL MSA $36,600$41,800 $47,050$52,250 $56,450
Kendall County, IL HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Knox County, IL $33,550$38,300 $43,100$47,900 $51,750
La Salle County, IL $36,950$42,250 $47,500$52,800 $57,000
Lawrence County, IL $33,550$38,300 $43,100$47,900 $51,750
Lee County, IL $37,450$42,800 $48,150$53,500 $57,800
Livingston County, IL $38,000$43,450 $48,850$54,300 $58,650
Logan County, IL $38,250$43,700 $49,200$54,650 $59,000
Macoupin County, IL HUD Metro FMR Area $35,550$40,650 $45,700$50,800 $54,850
Marion County, IL $33,550$38,300 $43,100$47,900 $51,750
Mason County, IL $33,550$38,300 $43,100$47,900 $51,750
Massac County, IL $33,550$38,300 $43,100$47,900 $51,750
McDonough County, IL $33,550$38,300 $43,100$47,900 $51,750
Montgomery County, IL $34,000$38,850 $43,700$48,550 $52,450
Morgan County, IL $36,500$41,700 $46,950$52,150 $56,300
Moultrie County, IL $34,050$38,900 $43,800$48,650 $52,550
Ogle County, IL $39,750$45,450 $51,100$56,800 $61,350
Peoria, IL MSA $38,900$44,500 $50,050$55,600 $60,050
Perry County, IL $33,550$38,300 $43,100$47,900 $51,750
Pike County, IL $33,550$38,300 $43,100$47,900 $51,750
Pope County, IL $33,550$38,300 $43,100$47,900 $51,750
Pulaski County, IL $33,550$38,300 $43,100$47,900 $51,750
Putnam County, IL $41,000$46,850 $52,700$58,550 $63,250
Randolph County, IL $35,650$40,750 $45,850$50,950 $55,050
Richland County, IL $33,550$38,300 $43,100$47,900 $51,750
Rockford, IL MSA $36,000$41,150 $46,300$51,450 $55,550
Saline County, IL $33,550$38,300 $43,100$47,900 $51,750
Schuyler County, IL $33,650$38,500 $43,300$48,100 $51,950
Scott County, IL $37,050$42,350 $47,650$52,950 $57,200
Shelby County, IL $33,600$38,400 $43,200$48,000 $51,850
Springfield, IL MSA $41,250$47,150 $53,050$58,950 $63,650
St. Louis, MO-IL HUD Metro FMR Area $39,400$45,050 $50,650$56,300 $60,800
Stephenson County, IL $33,550$38,300 $43,100$47,900 $51,750
Union County, IL $33,550$38,300 $43,100$47,900 $51,750
Wabash County, IL $35,300$40,300 $45,350$50,400 $54,450
Warren County, IL $33,550$38,300 $43,100$47,900 $51,750
Washington County, IL $39,000$44,550 $50,150$55,700 $60,150
Wayne County, IL $33,550$38,300 $43,100$47,900 $51,750
White County, IL $33,550$38,300 $43,100$47,900 $51,750
Whiteside County, IL $33,550$38,300 $43,100$47,900 $51,750
Williamson County, IL HUD Metro FMR Area $33,700$38,500 $43,350$48,150 $52,000

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