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

Iowa USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adair County, IA $55,500$55,500 $55,500$55,500 $73,250
Adams County, IA $55,500$55,500 $55,500$55,500 $73,250
Allamakee County, IA $55,500$55,500 $55,500$55,500 $73,250
Ames, IA MSA $70,150$70,150 $70,150$70,150 $92,600
Appanoose County, IA $55,500$55,500 $55,500$55,500 $73,250
Audubon County, IA $55,500$55,500 $55,500$55,500 $73,250
Benton County, IA HUD Metro FMR Area $66,150$66,150 $66,150$66,150 $87,300
Boone County, IA $59,700$59,700 $59,700$59,700 $78,800
Bremer County, IA HUD Metro FMR Area $68,800$68,800 $68,800$68,800 $90,800
Buchanan County, IA $61,300$61,300 $61,300$61,300 $80,900
Buena Vista County, IA $55,500$55,500 $55,500$55,500 $73,250
Butler County, IA $56,100$56,100 $56,100$56,100 $74,050
Calhoun County, IA $55,500$55,500 $55,500$55,500 $73,250
Carroll County, IA $60,000$60,000 $60,000$60,000 $79,200
Cass County, IA $55,500$55,500 $55,500$55,500 $73,250
Cedar County, IA $61,600$61,600 $61,600$61,600 $81,300
Cedar Rapids, IA HUD Metro FMR Area $71,450$71,450 $71,450$71,450 $94,300
Cerro Gordo County, IA $55,500$55,500 $55,500$55,500 $73,250
Cherokee County, IA $56,400$56,400 $56,400$56,400 $74,450
Chickasaw County, IA $55,500$55,500 $55,500$55,500 $73,250
Clarke County, IA $55,500$55,500 $55,500$55,500 $73,250
Clay County, IA $55,500$55,500 $55,500$55,500 $73,250
Clayton County, IA $55,500$55,500 $55,500$55,500 $73,250
Clinton County, IA $55,500$55,500 $55,500$55,500 $73,250
Crawford County, IA $55,500$55,500 $55,500$55,500 $73,250
Davenport-Moline-Rock Island, IA-IL MSA $58,150$58,150 $58,150$58,150 $76,750
Davis County, IA $55,500$55,500 $55,500$55,500 $73,250
Decatur County, IA $55,500$55,500 $55,500$55,500 $73,250
Delaware County, IA $60,700$60,700 $60,700$60,700 $80,100
Des Moines County, IA $55,500$55,500 $55,500$55,500 $73,250
Des Moines-West Des Moines, IA MSA $70,000$70,000 $70,000$70,000 $92,400
Dickinson County, IA $63,200$63,200 $63,200$63,200 $83,400
Dubuque, IA MSA $65,100$65,100 $65,100$65,100 $85,950
Emmet County, IA $55,500$55,500 $55,500$55,500 $73,250
Fayette County, IA $55,500$55,500 $55,500$55,500 $73,250
Floyd County, IA $55,500$55,500 $55,500$55,500 $73,250
Franklin County, IA $55,500$55,500 $55,500$55,500 $73,250
Fremont County, IA $55,500$55,500 $55,500$55,500 $73,250
Greene County, IA $55,500$55,500 $55,500$55,500 $73,250
Grundy County, IA SEA $59,600$59,600 $59,600$59,600 $78,650
Hamilton County, IA $55,500$55,500 $55,500$55,500 $73,250
Hancock County, IA $56,150$56,150 $56,150$56,150 $74,100
Hardin County, IA $58,300$58,300 $58,300$58,300 $76,950
Henry County, IA $55,500$55,500 $55,500$55,500 $73,250
Howard County, IA $55,500$55,500 $55,500$55,500 $73,250
Humboldt County, IA $55,500$55,500 $55,500$55,500 $73,250
Ida County, IA $55,500$55,500 $55,500$55,500 $73,250
Iowa City, IA HUD Metro FMR Area $75,500$75,500 $75,500$75,500 $99,650
Iowa County, IA $60,400$60,400 $60,400$60,400 $79,750
Jackson County, IA $55,500$55,500 $55,500$55,500 $73,250
Jasper County, IA $58,100$58,100 $58,100$58,100 $76,700
Jefferson County, IA $55,500$55,500 $55,500$55,500 $73,250
Jones County, IA HUD Metro FMR Area $58,900$58,900 $58,900$58,900 $77,750
Keokuk County, IA $55,500$55,500 $55,500$55,500 $73,250
Kossuth County, IA $56,700$56,700 $56,700$56,700 $74,850
Lee County, IA $55,500$55,500 $55,500$55,500 $73,250
Louisa County, IA $55,500$55,500 $55,500$55,500 $73,250
Lucas County, IA $55,500$55,500 $55,500$55,500 $73,250
Lyon County, IA $59,100$59,100 $59,100$59,100 $78,000
Mahaska County, IA $55,500$55,500 $55,500$55,500 $73,250
Marion County, IA $60,300$60,300 $60,300$60,300 $79,600
Marshall County, IA $55,500$55,500 $55,500$55,500 $73,250
Mitchell County, IA $55,750$55,750 $55,750$55,750 $73,600
Monona County, IA $55,500$55,500 $55,500$55,500 $73,250
Monroe County, IA $55,500$55,500 $55,500$55,500 $73,250
Montgomery County, IA $55,500$55,500 $55,500$55,500 $73,250
Muscatine County, IA $56,650$56,650 $56,650$56,650 $74,800
O'Brien County, IA $57,200$57,200 $57,200$57,200 $75,500
Omaha-Council Bluffs, NE-IA HUD Metro FMR Area $68,800$68,800 $68,800$68,800 $90,800
Osceola County, IA $55,500$55,500 $55,500$55,500 $73,250
Page County, IA $55,500$55,500 $55,500$55,500 $73,250
Palo Alto County, IA $55,500$55,500 $55,500$55,500 $73,250
Plymouth County, IA HUD Metro FMR Area $60,950$60,950 $60,950$60,950 $80,450
Pocahontas County, IA $55,500$55,500 $55,500$55,500 $73,250
Poweshiek County, IA $57,050$57,050 $57,050$57,050 $75,300
Ringgold County, IA $55,500$55,500 $55,500$55,500 $73,250
Sac County, IA $55,500$55,500 $55,500$55,500 $73,250
Shelby County, IA $57,450$57,450 $57,450$57,450 $75,850
Sioux City, IA-NE-SD HUD Metro FMR Area $55,600$55,600 $55,600$55,600 $73,400
Sioux County, IA $61,600$61,600 $61,600$61,600 $81,300
Tama County, IA $55,500$55,500 $55,500$55,500 $73,250
Taylor County, IA $55,500$55,500 $55,500$55,500 $73,250
Union County, IA $55,500$55,500 $55,500$55,500 $73,250
Van Buren County, IA $55,500$55,500 $55,500$55,500 $73,250
Wapello County, IA $55,500$55,500 $55,500$55,500 $73,250
Washington County, IA HUD Metro FMR Area $60,150$60,150 $60,150$60,150 $79,400
Waterloo-Cedar Falls, IA HUD Metro FMR Area $59,600$59,600 $59,600$59,600 $78,650
Wayne County, IA $55,500$55,500 $55,500$55,500 $73,250
Webster County, IA $55,500$55,500 $55,500$55,500 $73,250
Winnebago County, IA $55,500$55,500 $55,500$55,500 $73,250
Winneshiek County, IA $60,900$60,900 $60,900$60,900 $80,400
Worth County, IA $55,500$55,500 $55,500$55,500 $73,250
Wright County, IA $55,500$55,500 $55,500$55,500 $73,250

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Maximum Applicant Income
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