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
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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 $35,450$40,500 $45,600$50,650 $54,700
Adams County, IA $35,450$40,500 $45,600$50,650 $54,700
Allamakee County, IA $35,450$40,500 $45,600$50,650 $54,700
Ames, IA MSA $44,500$50,900 $57,250$63,600 $68,700
Appanoose County, IA $35,450$40,500 $45,600$50,650 $54,700
Audubon County, IA $35,550$40,650 $45,700$50,800 $54,850
Benton County, IA HUD Metro FMR Area $40,800$46,650 $52,450$58,300 $62,950
Boone County, IA $40,400$46,150 $51,950$57,700 $62,300
Bremer County, IA HUD Metro FMR Area $43,400$49,600 $55,800$62,000 $66,950
Buchanan County, IA $39,700$45,350 $51,050$56,700 $61,250
Buena Vista County, IA $35,450$40,500 $45,600$50,650 $54,700
Butler County, IA $36,400$41,600 $46,800$52,000 $56,150
Calhoun County, IA $35,450$40,500 $45,600$50,650 $54,700
Carroll County, IA $37,400$42,750 $48,100$53,450 $57,750
Cass County, IA $35,450$40,500 $45,600$50,650 $54,700
Cedar County, IA $39,850$45,500 $51,200$56,900 $61,450
Cedar Rapids, IA HUD Metro FMR Area $43,750$50,000 $56,250$62,500 $67,500
Cerro Gordo County, IA $36,200$41,350 $46,550$51,700 $55,850
Cherokee County, IA $35,450$40,500 $45,600$50,650 $54,700
Chickasaw County, IA $35,450$40,500 $45,600$50,650 $54,700
Clarke County, IA $35,450$40,500 $45,600$50,650 $54,700
Clay County, IA $37,150$42,500 $47,800$53,100 $57,350
Clayton County, IA $35,450$40,500 $45,600$50,650 $54,700
Clinton County, IA $38,000$43,400 $48,850$54,250 $58,600
Crawford County, IA $35,450$40,500 $45,600$50,650 $54,700
Davenport-Moline-Rock Island, IA-IL MSA $38,550$44,050 $49,550$55,050 $59,450
Davis County, IA $35,450$40,500 $45,600$50,650 $54,700
Decatur County, IA $35,450$40,500 $45,600$50,650 $54,700
Delaware County, IA $39,150$44,700 $50,300$55,900 $60,350
Des Moines County, IA $35,450$40,500 $45,600$50,650 $54,700
Des Moines-West Des Moines, IA MSA $43,050$49,200 $55,350$61,500 $66,400
Dickinson County, IA $37,350$42,700 $48,000$53,350 $57,600
Dubuque, IA MSA $38,850$44,400 $49,950$55,500 $59,950
Emmet County, IA $36,400$41,600 $46,800$52,000 $56,150
Fayette County, IA $35,450$40,500 $45,600$50,650 $54,700
Floyd County, IA $35,450$40,500 $45,600$50,650 $54,700
Franklin County, IA $35,450$40,500 $45,600$50,650 $54,700
Fremont County, IA $35,650$40,700 $45,800$50,900 $54,950
Greene County, IA $35,850$40,950 $46,100$51,200 $55,300
Grundy County, IA SEA $36,700$41,900 $47,150$52,400 $56,600
Hamilton County, IA $36,600$41,800 $47,050$52,250 $56,450
Hancock County, IA $35,450$40,500 $45,600$50,650 $54,700
Hardin County, IA $37,650$43,000 $48,400$53,750 $58,050
Henry County, IA $35,450$40,500 $45,600$50,650 $54,700
Howard County, IA $35,450$40,500 $45,600$50,650 $54,700
Humboldt County, IA $35,750$40,850 $45,950$51,050 $55,150
Ida County, IA $35,750$40,850 $45,950$51,050 $55,150
Iowa City, IA HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Iowa County, IA $42,200$48,250 $54,250$60,300 $65,100
Jackson County, IA $35,450$40,500 $45,600$50,650 $54,700
Jasper County, IA $36,600$41,800 $47,050$52,250 $56,450
Jefferson County, IA $35,450$40,500 $45,600$50,650 $54,700
Jones County, IA HUD Metro FMR Area $37,700$43,100 $48,450$53,850 $58,150
Keokuk County, IA $35,450$40,500 $45,600$50,650 $54,700
Kossuth County, IA $36,950$42,250 $47,500$52,800 $57,000
Lee County, IA $35,450$40,500 $45,600$50,650 $54,700
Louisa County, IA $35,450$40,500 $45,600$50,650 $54,700
Lucas County, IA $35,450$40,500 $45,600$50,650 $54,700
Lyon County, IA $35,900$41,050 $46,150$51,300 $55,400
Mahaska County, IA $36,050$41,200 $46,350$51,500 $55,600
Marion County, IA $39,850$45,500 $51,200$56,900 $61,450
Marshall County, IA $35,450$40,500 $45,600$50,650 $54,700
Mitchell County, IA $38,450$43,950 $49,450$54,950 $59,350
Monona County, IA $35,450$40,500 $45,600$50,650 $54,700
Monroe County, IA $35,450$40,500 $45,600$50,650 $54,700
Montgomery County, IA $35,450$40,500 $45,600$50,650 $54,700
Muscatine County, IA $36,850$42,100 $47,400$52,650 $56,850
O'Brien County, IA $36,750$42,000 $47,250$52,500 $56,700
Omaha-Council Bluffs, NE-IA HUD Metro FMR Area $40,900$46,700 $52,550$58,400 $63,050
Osceola County, IA $37,600$42,950 $48,350$53,700 $58,000
Page County, IA $35,450$40,500 $45,600$50,650 $54,700
Palo Alto County, IA $35,450$40,500 $45,600$50,650 $54,700
Plymouth County, IA HUD Metro FMR Area $42,650$48,750 $54,850$60,950 $65,850
Pocahontas County, IA $35,450$40,500 $45,600$50,650 $54,700
Poweshiek County, IA $39,150$44,700 $50,300$55,900 $60,350
Ringgold County, IA $35,450$40,500 $45,600$50,650 $54,700
Sac County, IA $35,650$40,700 $45,800$50,900 $54,950
Shelby County, IA $35,750$40,900 $46,000$51,100 $55,200
Sioux City, IA-NE-SD HUD Metro FMR Area $35,450$40,500 $45,600$50,650 $54,700
Sioux County, IA $38,550$44,050 $49,550$55,050 $59,450
Tama County, IA $35,450$40,500 $45,600$50,650 $54,700
Taylor County, IA $35,450$40,500 $45,600$50,650 $54,700
Union County, IA $35,450$40,500 $45,600$50,650 $54,700
Van Buren County, IA $35,450$40,500 $45,600$50,650 $54,700
Wapello County, IA $35,450$40,500 $45,600$50,650 $54,700
Washington County, IA HUD Metro FMR Area $38,450$43,950 $49,450$54,950 $59,350
Waterloo-Cedar Falls, IA HUD Metro FMR Area $36,700$41,900 $47,150$52,400 $56,600
Wayne County, IA $35,450$40,500 $45,600$50,650 $54,700
Webster County, IA $35,450$40,500 $45,600$50,650 $54,700
Winnebago County, IA $36,600$41,800 $47,050$52,250 $56,450
Winneshiek County, IA $38,550$44,050 $49,550$55,050 $59,450
Worth County, IA $35,450$40,500 $45,600$50,650 $54,700
Wright County, IA $35,450$40,500 $45,600$50,650 $54,700

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