The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Kansas aren’t the same thing as USDA Section 502 Guaranteed Loans in Kansas. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Kansas?

USDA Loan RequirementsUSDA Direct Loans in Kansas are low income loans that can be used to purchase homes in rural areas. 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). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of KS is $59,597, although that figure may vary from county to county. The maximum yearly income limits for Kansas USDA Direct Loan approval are listed below. Other than meeting Kansas USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

  • You have no decent clean, safe, and sanitary housing presently.
  • You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
  • You must use this property for your primary residence.
  • You must possess the legal capacity to be able to contract a loan
  • You must meet citizenship or eligible noncitizen requirements.
  • You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

  • Be a modestly sized home for that area.
  • Market value can’t be in excess of the areas applicable loan limit.
  • Can’t be designed for the production of income.

What areas in KS are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in KS here.

How much can I borrow with a USDA Direct Home Loan?

The size of the mortgage that an applicant’s eligible for depends on their ability to repay. Rural Development takes into account income, assets, debt, and payment assistance when weighing eligibility for USDA Direct home loans. No matter what the repayment ability is, you can’t borrow more than the local loan limit for the county where the home is located.

Are there other mortgage options with low down payment or no down payment in Kansas?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Kansas besides USDA Direct Loans. You can begin by researching Kansas USDA Guaranteed Loans, Kansas FHA Loans, and Kansas VA Loans if you’re a veteran in KS or qualified family member. You may also want to look into helpful programs for down payment assistance in Kansas.

Kansas USDA Direct Loan Maximum Income Limits

1 Person
2 Person
3 Person
4 Person
5 Person
Allen County, KS $49,200$49,200 $49,200$49,200 $64,950
Anderson County, KS $49,900$49,900 $49,900$49,900 $65,850
Atchison County, KS $49,200$49,200 $49,200$49,200 $64,950
Barber County, KS $52,800$52,800 $52,800$52,800 $69,700
Barton County, KS $50,500$50,500 $50,500$50,500 $66,650
Bourbon County, KS $49,200$49,200 $49,200$49,200 $64,950
Brown County, KS $49,200$49,200 $49,200$49,200 $64,950
Chase County, KS $52,550$52,550 $52,550$52,550 $69,350
Chautauqua County, KS $49,200$49,200 $49,200$49,200 $64,950
Cherokee County, KS $49,200$49,200 $49,200$49,200 $64,950
Cheyenne County, KS $51,700$51,700 $51,700$51,700 $68,250
Clark County, KS $51,200$51,200 $51,200$51,200 $67,600
Clay County, KS $53,850$53,850 $53,850$53,850 $71,100
Cloud County, KS $49,200$49,200 $49,200$49,200 $64,950
Coffey County, KS $59,600$59,600 $59,600$59,600 $78,650
Comanche County, KS $49,850$49,850 $49,850$49,850 $65,800
Cowley County, KS $49,200$49,200 $49,200$49,200 $64,950
Crawford County, KS $49,200$49,200 $49,200$49,200 $64,950
Decatur County, KS $49,200$49,200 $49,200$49,200 $64,950
Dickinson County, KS $52,100$52,100 $52,100$52,100 $68,750
Edwards County, KS $49,500$49,500 $49,500$49,500 $65,350
Elk County, KS $49,200$49,200 $49,200$49,200 $64,950
Ellis County, KS $58,400$58,400 $58,400$58,400 $77,100
Ellsworth County, KS $54,700$54,700 $54,700$54,700 $72,200
Finney County, KS $50,100$50,100 $50,100$50,100 $66,150
Ford County, KS $49,200$49,200 $49,200$49,200 $64,950
Franklin County, KS $55,500$55,500 $55,500$55,500 $73,250
Geary County, KS $49,700$49,700 $49,700$49,700 $65,600
Gove County, KS $49,200$49,200 $49,200$49,200 $64,950
Graham County, KS $49,200$49,200 $49,200$49,200 $64,950
Grant County, KS $54,400$54,400 $54,400$54,400 $71,800
Gray County, KS $56,000$56,000 $56,000$56,000 $73,900
Greeley County, KS $53,350$53,350 $53,350$53,350 $70,400
Greenwood County, KS $49,200$49,200 $49,200$49,200 $64,950
Hamilton County, KS $49,200$49,200 $49,200$49,200 $64,950
Harper County, KS $50,650$50,650 $50,650$50,650 $66,850
Haskell County, KS $54,100$54,100 $54,100$54,100 $71,400
Hodgeman County, KS $60,800$60,800 $60,800$60,800 $80,250
Jewell County, KS $49,200$49,200 $49,200$49,200 $64,950
Kansas City, MO-KS HUD Metro FMR Area $66,150$66,150 $66,150$66,150 $87,300
Kearny County, KS $51,750$51,750 $51,750$51,750 $68,300
Kingman County, KS HUD Metro FMR Area $60,250$60,250 $60,250$60,250 $79,550
Kiowa County, KS $52,550$52,550 $52,550$52,550 $69,350
Labette County, KS $49,200$49,200 $49,200$49,200 $64,950
Lane County, KS $56,250$56,250 $56,250$56,250 $74,250
Lawrence, KS MSA $65,500$65,500 $65,500$65,500 $86,450
Lincoln County, KS $54,250$54,250 $54,250$54,250 $71,600
Logan County, KS $54,400$54,400 $54,400$54,400 $71,800
Lyon County, KS $49,200$49,200 $49,200$49,200 $64,950
Marion County, KS $52,900$52,900 $52,900$52,900 $69,850
Marshall County, KS $53,200$53,200 $53,200$53,200 $70,200
McPherson County, KS $58,800$58,800 $58,800$58,800 $77,600
Meade County, KS $52,100$52,100 $52,100$52,100 $68,750
Mitchell County, KS $54,250$54,250 $54,250$54,250 $71,600
Montgomery County, KS $49,200$49,200 $49,200$49,200 $64,950
Morris County, KS $49,900$49,900 $49,900$49,900 $65,850
Morton County, KS $49,200$49,200 $49,200$49,200 $64,950
Nemaha County, KS $59,700$59,700 $59,700$59,700 $78,800
Neosho County, KS $49,200$49,200 $49,200$49,200 $64,950
Ness County, KS $51,900$51,900 $51,900$51,900 $68,500
Norton County, KS $52,400$52,400 $52,400$52,400 $69,150
Osborne County, KS $49,200$49,200 $49,200$49,200 $64,950
Ottawa County, KS $56,150$56,150 $56,150$56,150 $74,100
Pawnee County, KS $51,900$51,900 $51,900$51,900 $68,500
Phillips County, KS $50,250$50,250 $50,250$50,250 $66,350
Pottawatomie County, KS SEA $63,500$63,500 $63,500$63,500 $83,800
Pratt County, KS $52,800$52,800 $52,800$52,800 $69,700
Rawlins County, KS $51,850$51,850 $51,850$51,850 $68,450
Reno County, KS $49,200$49,200 $49,200$49,200 $64,950
Republic County, KS $49,200$49,200 $49,200$49,200 $64,950
Rice County, KS $53,050$53,050 $53,050$53,050 $70,050
Riley County, KS SEA $63,500$63,500 $63,500$63,500 $83,800
Rooks County, KS $51,050$51,050 $51,050$51,050 $67,400
Rush County, KS $51,450$51,450 $51,450$51,450 $67,900
Russell County, KS $49,200$49,200 $49,200$49,200 $64,950
Saline County, KS $52,100$52,100 $52,100$52,100 $68,750
Scott County, KS $55,300$55,300 $55,300$55,300 $73,000
Seward County, KS $49,200$49,200 $49,200$49,200 $64,950
Sheridan County, KS $54,300$54,300 $54,300$54,300 $71,700
Sherman County, KS $49,200$49,200 $49,200$49,200 $64,950
Smith County, KS $49,200$49,200 $49,200$49,200 $64,950
St. Joseph, MO-KS MSA $51,450$51,450 $51,450$51,450 $67,900
Stafford County, KS $53,050$53,050 $53,050$53,050 $70,050
Stanton County, KS $49,200$49,200 $49,200$49,200 $64,950
Stevens County, KS $53,350$53,350 $53,350$53,350 $70,400
Sumner County, KS HUD Metro FMR Area $56,000$56,000 $56,000$56,000 $73,900
Thomas County, KS $59,600$59,600 $59,600$59,600 $78,650
Topeka, KS MSA $60,300$60,300 $60,300$60,300 $79,600
Trego County, KS $56,250$56,250 $56,250$56,250 $74,250
Wallace County, KS $63,500$63,500 $63,500$63,500 $83,800
Washington County, KS $49,200$49,200 $49,200$49,200 $64,950
Wichita County, KS $51,750$51,750 $51,750$51,750 $68,300
Wichita, KS HUD Metro FMR Area $58,300$58,300 $58,300$58,300 $76,950
Wilson County, KS $49,200$49,200 $49,200$49,200 $64,950
Woodson County, KS $49,200$49,200 $49,200$49,200 $64,950

More USDA Loan Resources

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
USDA Loan Calculator

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