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

Indiana USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, IN $47,850$47,850 $47,850$47,850 $63,150
Anderson, IN HUD Metro FMR Area $51,300$51,300 $51,300$51,300 $67,700
Blackford County, IN $45,700$45,700 $45,700$45,700 $60,300
Bloomington, IN HUD Metro FMR Area $52,500$52,500 $52,500$52,500 $69,300
Carroll County, IN HUD Metro FMR Area $51,700$51,700 $51,700$51,700 $68,250
Cass County, IN $45,700$45,700 $45,700$45,700 $60,300
Cincinnati, OH-KY-IN HUD Metro FMR Area $57,050$57,050 $57,050$57,050 $75,300
Clinton County, IN $48,900$48,900 $48,900$48,900 $64,550
Columbus, IN MSA $54,550$54,550 $54,550$54,550 $72,000
Crawford County, IN $45,700$45,700 $45,700$45,700 $60,300
Daviess County, IN $46,550$46,550 $46,550$46,550 $61,450
Decatur County, IN $46,650$46,650 $46,650$46,650 $61,600
DeKalb County, IN $50,150$50,150 $50,150$50,150 $66,200
Dubois County, IN $56,000$56,000 $56,000$56,000 $73,900
Elkhart-Goshen, IN MSA $47,450$47,450 $47,450$47,450 $62,650
Evansville, IN-KY MSA $51,050$51,050 $51,050$51,050 $67,400
Fayette County, IN $45,700$45,700 $45,700$45,700 $60,300
Fort Wayne, IN MSA $51,050$51,050 $51,050$51,050 $67,400
Fountain County, IN $45,900$45,900 $45,900$45,900 $60,600
Franklin County, IN $57,050$57,050 $57,050$57,050 $75,300
Fulton County, IN $45,700$45,700 $45,700$45,700 $60,300
Gary, IN HUD Metro FMR Area $52,900$52,900 $52,900$52,900 $69,850
Gibson County, IN $53,300$53,300 $53,300$53,300 $70,350
Grant County, IN $45,700$45,700 $45,700$45,700 $60,300
Greene County, IN $45,700$45,700 $45,700$45,700 $60,300
Henry County, IN $45,700$45,700 $45,700$45,700 $60,300
Huntington County, IN $48,100$48,100 $48,100$48,100 $63,500
Indianapolis-Carmel-Anderson, IN HUD Metro FMR Area $54,950$54,950 $54,950$54,950 $72,550
Jackson County, IN $46,250$46,250 $46,250$46,250 $61,050
Jasper County, IN HUD Metro FMR Area $56,900$56,900 $56,900$56,900 $75,100
Jay County, IN $45,700$45,700 $45,700$45,700 $60,300
Jefferson County, IN $45,700$45,700 $45,700$45,700 $60,300
Jennings County, IN $45,700$45,700 $45,700$45,700 $60,300
Knox County, IN $45,700$45,700 $45,700$45,700 $60,300
Kokomo, IN MSA $49,750$49,750 $49,750$49,750 $65,650
Kosciusko County, IN $51,900$51,900 $51,900$51,900 $68,500
Lafayette-West Lafayette, IN HUD Metro FMR Area $52,550$52,550 $52,550$52,550 $69,350
LaGrange County, IN $47,200$47,200 $47,200$47,200 $62,300
Lawrence County, IN $45,700$45,700 $45,700$45,700 $60,300
Louisville, KY-IN HUD Metro FMR Area $53,600$53,600 $53,600$53,600 $70,750
Marshall County, IN $49,450$49,450 $49,450$49,450 $65,250
Martin County, IN $47,100$47,100 $47,100$47,100 $62,150
Miami County, IN $45,700$45,700 $45,700$45,700 $60,300
Michigan City-La Porte, IN MSA $49,900$49,900 $49,900$49,900 $65,850
Montgomery County, IN $49,450$49,450 $49,450$49,450 $65,250
Muncie, IN MSA $45,700$45,700 $45,700$45,700 $60,300
Noble County, IN $47,600$47,600 $47,600$47,600 $62,850
Orange County, IN $45,700$45,700 $45,700$45,700 $60,300
Owen County, IN HUD Metro FMR Area $45,700$45,700 $45,700$45,700 $60,300
Parke County, IN $45,700$45,700 $45,700$45,700 $60,300
Perry County, IN $48,700$48,700 $48,700$48,700 $64,300
Pike County, IN $45,700$45,700 $45,700$45,700 $60,300
Pulaski County, IN $45,700$45,700 $45,700$45,700 $60,300
Putnam County, IN HUD Metro FMR Area $50,500$50,500 $50,500$50,500 $66,650
Randolph County, IN $45,700$45,700 $45,700$45,700 $60,300
Ripley County, IN $51,100$51,100 $51,100$51,100 $67,450
Rush County, IN $46,800$46,800 $46,800$46,800 $61,800
Scott County, IN HUD Metro FMR Area $46,550$46,550 $46,550$46,550 $61,450
South Bend-Mishawaka, IN HUD Metro FMR Area $48,300$48,300 $48,300$48,300 $63,750
Spencer County, IN $54,000$54,000 $54,000$54,000 $71,300
Starke County, IN $45,700$45,700 $45,700$45,700 $60,300
Steuben County, IN $48,550$48,550 $48,550$48,550 $64,100
Sullivan County, IN HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Switzerland County, IN $45,700$45,700 $45,700$45,700 $60,300
Terre Haute, IN HUD Metro FMR Area $45,700$45,700 $45,700$45,700 $60,300
Tipton County, IN $49,750$49,750 $49,750$49,750 $65,650
Union County, IN HUD Metro FMR Area $47,050$47,050 $47,050$47,050 $62,100
Wabash County, IN $46,500$46,500 $46,500$46,500 $61,400
Warren County, IN $52,250$52,250 $52,250$52,250 $68,950
Washington County, IN HUD Metro FMR Area $42,250$42,250 $42,250$42,250 $55,750
Wayne County, IN $45,700$45,700 $45,700$45,700 $60,300
White County, IN $50,100$50,100 $50,100$50,100 $66,150

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Maximum Applicant Income
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