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

Michigan USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Alcona County, MI $48,900$48,900 $48,900$48,900 $64,550
Alger County, MI $48,900$48,900 $48,900$48,900 $64,550
Allegan County, MI $57,700$57,700 $57,700$57,700 $76,150
Alpena County, MI $48,900$48,900 $48,900$48,900 $64,550
Ann Arbor, MI MSA $75,500$75,500 $75,500$75,500 $99,650
Antrim County, MI $49,300$49,300 $49,300$49,300 $65,100
Arenac County, MI $48,900$48,900 $48,900$48,900 $64,550
Baraga County, MI $48,900$48,900 $48,900$48,900 $64,550
Barry County, MI HUD Metro FMR Area $57,200$57,200 $57,200$57,200 $75,500
Battle Creek, MI MSA $51,350$51,350 $51,350$51,350 $67,800
Bay City, MI MSA $48,900$48,900 $48,900$48,900 $64,550
Benzie County, MI $51,100$51,100 $51,100$51,100 $67,450
Branch County, MI $48,900$48,900 $48,900$48,900 $64,550
Cass County, MI HUD Metro FMR Area $50,150$50,150 $50,150$50,150 $66,200
Charlevoix County, MI $52,300$52,300 $52,300$52,300 $69,050
Cheboygan County, MI $48,900$48,900 $48,900$48,900 $64,550
Chippewa County, MI $48,900$48,900 $48,900$48,900 $64,550
Clare County, MI $48,900$48,900 $48,900$48,900 $64,550
Crawford County, MI $48,900$48,900 $48,900$48,900 $64,550
Delta County, MI $48,900$48,900 $48,900$48,900 $64,550
Detroit-Warren-Livonia, MI HUD Metro FMR Area $61,050$61,050 $61,050$61,050 $80,600
Dickinson County, MI $48,900$48,900 $48,900$48,900 $64,550
Emmet County, MI $54,400$54,400 $54,400$54,400 $71,800
Flint, MI MSA $48,900$48,900 $48,900$48,900 $64,550
Gladwin County, MI $48,900$48,900 $48,900$48,900 $64,550
Gogebic County, MI $48,900$48,900 $48,900$48,900 $64,550
Grand Rapids-Wyoming, MI HUD Metro FMR Area $61,300$61,300 $61,300$61,300 $80,900
Grand Traverse County, MI $62,000$62,000 $62,000$62,000 $81,850
Gratiot County, MI $48,900$48,900 $48,900$48,900 $64,550
Hillsdale County, MI $48,900$48,900 $48,900$48,900 $64,550
Holland-Grand Haven, MI HUD Metro FMR Area $67,200$67,200 $67,200$67,200 $88,700
Houghton County, MI $48,900$48,900 $48,900$48,900 $64,550
Huron County, MI $48,900$48,900 $48,900$48,900 $64,550
Ionia County, MI $49,600$49,600 $49,600$49,600 $65,450
Iosco County, MI $48,900$48,900 $48,900$48,900 $64,550
Iron County, MI $48,900$48,900 $48,900$48,900 $64,550
Isabella County, MI $51,050$51,050 $51,050$51,050 $67,400
Jackson, MI MSA $51,700$51,700 $51,700$51,700 $68,250
Kalamazoo-Portage, MI MSA $59,100$59,100 $59,100$59,100 $78,000
Kalkaska County, MI $48,900$48,900 $48,900$48,900 $64,550
Keweenaw County, MI $48,900$48,900 $48,900$48,900 $64,550
Lake County, MI $48,900$48,900 $48,900$48,900 $64,550
Lansing-East Lansing, MI MSA $59,450$59,450 $59,450$59,450 $78,450
Leelanau County, MI $60,300$60,300 $60,300$60,300 $79,600
Lenawee County, MI $62,500$62,500 $62,500$62,500 $82,500
Livingston County, MI HUD Metro FMR Area $75,500$75,500 $75,500$75,500 $99,650
Luce County, MI $48,900$48,900 $48,900$48,900 $64,550
Mackinac County, MI $48,900$48,900 $48,900$48,900 $64,550
Manistee County, MI $48,900$48,900 $48,900$48,900 $64,550
Marquette County, MI $55,350$55,350 $55,350$55,350 $73,050
Mason County, MI $48,900$48,900 $48,900$48,900 $64,550
Mecosta County, MI $48,900$48,900 $48,900$48,900 $64,550
Menominee County, MI $48,900$48,900 $48,900$48,900 $64,550
Midland, MI MSA $59,700$59,700 $59,700$59,700 $78,800
Missaukee County, MI $48,900$48,900 $48,900$48,900 $64,550
Monroe, MI MSA $63,200$63,200 $63,200$63,200 $83,400
Montcalm County, MI HUD Metro FMR Area $48,900$48,900 $48,900$48,900 $64,550
Montmorency County, MI $48,900$48,900 $48,900$48,900 $64,550
Muskegon, MI MSA $49,700$49,700 $49,700$49,700 $65,600
Newaygo County, MI $48,900$48,900 $48,900$48,900 $64,550
Niles-Benton Harbor, MI MSA $53,200$53,200 $53,200$53,200 $70,200
Oceana County, MI $48,900$48,900 $48,900$48,900 $64,550
Ogemaw County, MI $48,900$48,900 $48,900$48,900 $64,550
Ontonagon County, MI $48,900$48,900 $48,900$48,900 $64,550
Osceola County, MI $48,900$48,900 $48,900$48,900 $64,550
Oscoda County, MI $48,900$48,900 $48,900$48,900 $64,550
Otsego County, MI $49,300$49,300 $49,300$49,300 $65,100
Presque Isle County, MI $48,900$48,900 $48,900$48,900 $64,550
Roscommon County, MI $48,900$48,900 $48,900$48,900 $64,550
Saginaw, MI MSA $50,900$50,900 $50,900$50,900 $67,200
Sanilac County, MI $48,900$48,900 $48,900$48,900 $64,550
Schoolcraft County, MI $48,900$48,900 $48,900$48,900 $64,550
Shiawassee County, MI $51,850$51,850 $51,850$51,850 $68,450
St. Joseph County, MI $48,900$48,900 $48,900$48,900 $64,550
Tuscola County, MI $48,900$48,900 $48,900$48,900 $64,550
Wexford County, MI $48,900$48,900 $48,900$48,900 $64,550

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
Alabama USDA Direct Income Limits

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