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

Kentucky USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adair County, KY $37,350$37,350 $37,350$37,350 $49,300
Allen County, KY HUD Metro FMR Area $40,500$40,500 $40,500$40,500 $53,450
Anderson County, KY $54,900$54,900 $54,900$54,900 $72,450
Ballard County, KY $46,100$46,100 $46,100$46,100 $60,850
Barren County, KY $42,100$42,100 $42,100$42,100 $55,550
Bath County, KY $37,100$37,100 $37,100$37,100 $48,950
Bell County, KY $37,100$37,100 $37,100$37,100 $48,950
Bowling Green, KY HUD Metro FMR Area $48,500$48,500 $48,500$48,500 $64,000
Boyle County, KY $44,250$44,250 $44,250$44,250 $58,400
Breathitt County, KY $37,100$37,100 $37,100$37,100 $48,950
Breckinridge County, KY $40,150$40,150 $40,150$40,150 $53,000
Butler County, KY HUD Metro FMR Area $37,700$37,700 $37,700$37,700 $49,750
Caldwell County, KY $41,050$41,050 $41,050$41,050 $54,200
Calloway County, KY $46,950$46,950 $46,950$46,950 $61,950
Carlisle County, KY $39,100$39,100 $39,100$39,100 $51,600
Carroll County, KY $45,600$45,600 $45,600$45,600 $60,200
Carter County, KY $37,100$37,100 $37,100$37,100 $48,950
Casey County, KY $37,100$37,100 $37,100$37,100 $48,950
Cincinnati, OH-KY-IN HUD Metro FMR Area $57,050$57,050 $57,050$57,050 $75,300
Clarksville, TN-KY MSA $43,350$43,350 $43,350$43,350 $57,200
Clay County, KY $37,100$37,100 $37,100$37,100 $48,950
Clinton County, KY $37,100$37,100 $37,100$37,100 $48,950
Crittenden County, KY $41,700$41,700 $41,700$41,700 $55,050
Cumberland County, KY $37,100$37,100 $37,100$37,100 $48,950
Elizabethtown, KY HUD Metro FMR Area $48,800$48,800 $48,800$48,800 $64,400
Elliott County, KY $37,100$37,100 $37,100$37,100 $48,950
Estill County, KY $37,100$37,100 $37,100$37,100 $48,950
Evansville, IN-KY MSA $51,050$51,050 $51,050$51,050 $67,400
Fleming County, KY $40,950$40,950 $40,950$40,950 $54,050
Floyd County, KY $37,100$37,100 $37,100$37,100 $48,950
Franklin County, KY $53,450$53,450 $53,450$53,450 $70,550
Fulton County, KY $37,100$37,100 $37,100$37,100 $48,950
Garrard County, KY $45,300$45,300 $45,300$45,300 $59,800
Grant County, KY HUD Metro FMR Area $44,550$44,550 $44,550$44,550 $58,800
Graves County, KY $41,600$41,600 $41,600$41,600 $54,900
Grayson County, KY $37,300$37,300 $37,300$37,300 $49,250
Green County, KY $39,300$39,300 $39,300$39,300 $51,900
Harlan County, KY $37,100$37,100 $37,100$37,100 $48,950
Harrison County, KY $44,000$44,000 $44,000$44,000 $58,100
Hart County, KY $37,100$37,100 $37,100$37,100 $48,950
Hickman County, KY $44,700$44,700 $44,700$44,700 $59,000
Hopkins County, KY $42,900$42,900 $42,900$42,900 $56,650
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area $43,850$43,850 $43,850$43,850 $57,900
Jackson County, KY $37,100$37,100 $37,100$37,100 $48,950
Johnson County, KY $37,100$37,100 $37,100$37,100 $48,950
Knott County, KY $37,100$37,100 $37,100$37,100 $48,950
Knox County, KY $37,100$37,100 $37,100$37,100 $48,950
Laurel County, KY $37,100$37,100 $37,100$37,100 $48,950
Lawrence County, KY $37,100$37,100 $37,100$37,100 $48,950
Lee County, KY $37,100$37,100 $37,100$37,100 $48,950
Leslie County, KY $37,100$37,100 $37,100$37,100 $48,950
Letcher County, KY $37,100$37,100 $37,100$37,100 $48,950
Lewis County, KY $37,100$37,100 $37,100$37,100 $48,950
Lexington-Fayette, KY MSA $54,550$54,550 $54,550$54,550 $72,000
Lincoln County, KY $37,100$37,100 $37,100$37,100 $48,950
Livingston County, KY $40,950$40,950 $40,950$40,950 $54,050
Logan County, KY $40,950$40,950 $40,950$40,950 $54,050
Louisville, KY-IN HUD Metro FMR Area $53,600$53,600 $53,600$53,600 $70,750
Lyon County, KY $45,300$45,300 $45,300$45,300 $59,800
Madison County, KY $46,650$46,650 $46,650$46,650 $61,600
Magoffin County, KY $37,100$37,100 $37,100$37,100 $48,950
Marion County, KY $41,600$41,600 $41,600$41,600 $54,900
Marshall County, KY $47,600$47,600 $47,600$47,600 $62,850
Martin County, KY $37,100$37,100 $37,100$37,100 $48,950
Mason County, KY $41,850$41,850 $41,850$41,850 $55,250
McCracken County, KY $48,300$48,300 $48,300$48,300 $63,750
McCreary County, KY $37,100$37,100 $37,100$37,100 $48,950
Meade County, KY HUD Metro FMR Area $41,850$41,850 $41,850$41,850 $55,250
Menifee County, KY $37,100$37,100 $37,100$37,100 $48,950
Mercer County, KY $48,100$48,100 $48,100$48,100 $63,500
Metcalfe County, KY $37,100$37,100 $37,100$37,100 $48,950
Monroe County, KY $37,100$37,100 $37,100$37,100 $48,950
Montgomery County, KY $41,500$41,500 $41,500$41,500 $54,800
Morgan County, KY $37,100$37,100 $37,100$37,100 $48,950
Muhlenberg County, KY $38,400$38,400 $38,400$38,400 $50,700
Nelson County, KY $46,000$46,000 $46,000$46,000 $60,700
Nicholas County, KY $39,500$39,500 $39,500$39,500 $52,150
Ohio County, KY $37,500$37,500 $37,500$37,500 $49,500
Owen County, KY $49,900$49,900 $49,900$49,900 $65,850
Owensboro, KY MSA $47,500$47,500 $47,500$47,500 $62,700
Owsley County, KY $37,100$37,100 $37,100$37,100 $48,950
Perry County, KY $37,100$37,100 $37,100$37,100 $48,950
Pike County, KY $37,100$37,100 $37,100$37,100 $48,950
Powell County, KY $37,100$37,100 $37,100$37,100 $48,950
Pulaski County, KY $37,100$37,100 $37,100$37,100 $48,950
Robertson County, KY $41,500$41,500 $41,500$41,500 $54,800
Rockcastle County, KY $37,100$37,100 $37,100$37,100 $48,950
Rowan County, KY $38,650$38,650 $38,650$38,650 $51,000
Russell County, KY $37,100$37,100 $37,100$37,100 $48,950
Shelby County, KY HUD Metro FMR Area $58,950$58,950 $58,950$58,950 $77,800
Simpson County, KY $44,100$44,100 $44,100$44,100 $58,200
Spencer County, KY SEA $53,600$53,600 $53,600$53,600 $70,750
Taylor County, KY $38,000$38,000 $38,000$38,000 $50,150
Todd County, KY $41,500$41,500 $41,500$41,500 $54,800
Union County, KY $44,650$44,650 $44,650$44,650 $58,950
Washington County, KY $42,900$42,900 $42,900$42,900 $56,650
Wayne County, KY $37,100$37,100 $37,100$37,100 $48,950
Webster County, KY $51,050$51,050 $51,050$51,050 $67,400
Whitley County, KY $37,100$37,100 $37,100$37,100 $48,950
Wolfe County, KY $37,100$37,100 $37,100$37,100 $48,950

More USDA Direct Loan Limits (Low Income)

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