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 $51,600$51,600 $51,600$51,600 $68,100
Anderson, IN HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
Blackford County, IN $51,600$51,600 $51,600$51,600 $68,100
Bloomington, IN HUD Metro FMR Area $59,050$59,050 $59,050$59,050 $77,950
Carroll County, IN HUD Metro FMR Area $52,300$52,300 $52,300$52,300 $69,050
Cass County, IN $51,600$51,600 $51,600$51,600 $68,100
Cincinnati, OH-KY-IN HUD Metro FMR Area $65,050$65,050 $65,050$65,050 $85,850
Clinton County, IN $52,700$52,700 $52,700$52,700 $69,550
Columbus, IN MSA $57,750$57,750 $57,750$57,750 $76,250
Crawford County, IN $51,600$51,600 $51,600$51,600 $68,100
Daviess County, IN $51,600$51,600 $51,600$51,600 $68,100
Decatur County, IN $51,600$51,600 $51,600$51,600 $68,100
DeKalb County, IN $52,700$52,700 $52,700$52,700 $69,550
Dubois County, IN $60,100$60,100 $60,100$60,100 $79,350
Elkhart-Goshen, IN MSA $53,750$53,750 $53,750$53,750 $70,950
Evansville, IN-KY MSA $53,750$53,750 $53,750$53,750 $70,950
Fayette County, IN $51,600$51,600 $51,600$51,600 $68,100
Fort Wayne, IN MSA $55,050$55,050 $55,050$55,050 $72,650
Fountain County, IN $51,600$51,600 $51,600$51,600 $68,100
Franklin County, IN $57,050$57,050 $57,050$57,050 $75,300
Fulton County, IN $51,600$51,600 $51,600$51,600 $68,100
Gary, IN HUD Metro FMR Area $58,250$58,250 $58,250$58,250 $76,900
Gibson County, IN $53,300$53,300 $53,300$53,300 $70,350
Grant County, IN $51,600$51,600 $51,600$51,600 $68,100
Greene County, IN $51,600$51,600 $51,600$51,600 $68,100
Henry County, IN $51,600$51,600 $51,600$51,600 $68,100
Huntington County, IN $51,600$51,600 $51,600$51,600 $68,100
Indianapolis-Carmel, IN HUD Metro FMR Area $63,900$63,900 $63,900$63,900 $84,350
Jackson County, IN $51,600$51,600 $51,600$51,600 $68,100
Jasper County, IN HUD Metro FMR Area $56,900$56,900 $56,900$56,900 $75,100
Jay County, IN $51,600$51,600 $51,600$51,600 $68,100
Jefferson County, IN $51,600$51,600 $51,600$51,600 $68,100
Jennings County, IN $51,600$51,600 $51,600$51,600 $68,100
Knox County, IN $51,600$51,600 $51,600$51,600 $68,100
Kokomo, IN MSA $52,150$52,150 $52,150$52,150 $68,850
Kosciusko County, IN $53,200$53,200 $53,200$53,200 $70,200
Lafayette-West Lafayette, IN HUD Metro FMR Area $56,300$56,300 $56,300$56,300 $74,300
LaGrange County, IN $51,600$51,600 $51,600$51,600 $68,100
Lawrence County, IN $51,600$51,600 $51,600$51,600 $68,100
Louisville, KY-IN HUD Metro FMR Area $61,100$61,100 $61,100$61,100 $80,650
Marshall County, IN $52,000$52,000 $52,000$52,000 $68,650
Martin County, IN $51,600$51,600 $51,600$51,600 $68,100
Miami County, IN $51,600$51,600 $51,600$51,600 $68,100
Michigan City-La Porte, IN MSA $53,700$53,700 $53,700$53,700 $70,900
Montgomery County, IN $51,600$51,600 $51,600$51,600 $68,100
Muncie, IN MSA $51,600$51,600 $51,600$51,600 $68,100
Noble County, IN $52,000$52,000 $52,000$52,000 $68,650
Orange County, IN $51,600$51,600 $51,600$51,600 $68,100
Owen County, IN HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
Parke County, IN $51,600$51,600 $51,600$51,600 $68,100
Perry County, IN $51,600$51,600 $51,600$51,600 $68,100
Pike County, IN $51,600$51,600 $51,600$51,600 $68,100
Pulaski County, IN $51,600$51,600 $51,600$51,600 $68,100
Putnam County, IN HUD Metro FMR Area $55,700$55,700 $55,700$55,700 $73,500
Randolph County, IN $51,600$51,600 $51,600$51,600 $68,100
Ripley County, IN $51,600$51,600 $51,600$51,600 $68,100
Rush County, IN $51,600$51,600 $51,600$51,600 $68,100
Scott County, IN HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
South Bend-Mishawaka, IN HUD Metro FMR Area $52,500$52,500 $52,500$52,500 $69,300
Spencer County, IN $56,400$56,400 $56,400$56,400 $74,450
Starke County, IN $51,600$51,600 $51,600$51,600 $68,100
Steuben County, IN $51,600$51,600 $51,600$51,600 $68,100
Sullivan County, IN HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
Switzerland County, IN $51,600$51,600 $51,600$51,600 $68,100
Terre Haute, IN HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
Tipton County, IN $54,950$54,950 $54,950$54,950 $72,550
Union County, IN HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
Wabash County, IN $51,600$51,600 $51,600$51,600 $68,100
Warren County, IN $58,300$58,300 $58,300$58,300 $76,950
Washington County, IN HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
Wayne County, IN $51,600$51,600 $51,600$51,600 $68,100
White County, IN $52,300$52,300 $52,300$52,300 $69,050

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Maximum Applicant Income
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