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

Minnesota USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Aitkin County, MN $57,900$57,900 $57,900$57,900 $76,450
Becker County, MN $57,900$57,900 $57,900$57,900 $76,450
Beltrami County, MN $57,900$57,900 $57,900$57,900 $76,450
Big Stone County, MN $57,900$57,900 $57,900$57,900 $76,450
Brown County, MN $59,850$59,850 $59,850$59,850 $79,000
Cass County, MN $57,900$57,900 $57,900$57,900 $76,450
Chippewa County, MN $58,800$58,800 $58,800$58,800 $77,600
Clearwater County, MN $57,900$57,900 $57,900$57,900 $76,450
Cook County, MN $57,900$57,900 $57,900$57,900 $76,450
Cottonwood County, MN $57,900$57,900 $57,900$57,900 $76,450
Crow Wing County, MN $57,900$57,900 $57,900$57,900 $76,450
Douglas County, MN $61,050$61,050 $61,050$61,050 $80,600
Duluth, MN-WI MSA $57,900$57,900 $57,900$57,900 $76,450
Fargo, ND-MN MSA $67,300$67,300 $67,300$67,300 $88,850
Faribault County, MN $57,900$57,900 $57,900$57,900 $76,450
Fillmore County, MN HUD Metro FMR Area $58,800$58,800 $58,800$58,800 $77,600
Freeborn County, MN $57,900$57,900 $57,900$57,900 $76,450
Goodhue County, MN $65,700$65,700 $65,700$65,700 $86,700
Grand Forks, ND-MN MSA $66,300$66,300 $66,300$66,300 $87,500
Grant County, MN $57,900$57,900 $57,900$57,900 $76,450
Hubbard County, MN $57,900$57,900 $57,900$57,900 $76,450
Itasca County, MN $57,900$57,900 $57,900$57,900 $76,450
Jackson County, MN $59,200$59,200 $59,200$59,200 $78,150
Kanabec County, MN $57,900$57,900 $57,900$57,900 $76,450
Kandiyohi County, MN $57,900$57,900 $57,900$57,900 $76,450
Kittson County, MN $57,900$57,900 $57,900$57,900 $76,450
Koochiching County, MN $57,900$57,900 $57,900$57,900 $76,450
La Crosse-Onalaska, WI-MN MSA $62,900$62,900 $62,900$62,900 $83,050
Lac qui Parle County, MN $57,900$57,900 $57,900$57,900 $76,450
Lake County, MN $57,900$57,900 $57,900$57,900 $76,450
Lake of the Woods County, MN $57,900$57,900 $57,900$57,900 $76,450
Le Sueur County, MN HUD Metro FMR Area $64,550$64,550 $64,550$64,550 $85,200
Lincoln County, MN $57,900$57,900 $57,900$57,900 $76,450
Lyon County, MN $60,550$60,550 $60,550$60,550 $79,950
Mahnomen County, MN $57,900$57,900 $57,900$57,900 $76,450
Mankato-North Mankato, MN MSA $62,800$62,800 $62,800$62,800 $82,900
Marshall County, MN $58,300$58,300 $58,300$58,300 $76,950
Martin County, MN $57,900$57,900 $57,900$57,900 $76,450
McLeod County, MN $59,350$59,350 $59,350$59,350 $78,350
Meeker County, MN $59,300$59,300 $59,300$59,300 $78,300
Mille Lacs County, MN HUD Metro FMR Area $57,900$57,900 $57,900$57,900 $76,450
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area $75,500$75,500 $75,500$75,500 $99,650
Morrison County, MN $57,900$57,900 $57,900$57,900 $76,450
Mower County, MN $57,900$57,900 $57,900$57,900 $76,450
Murray County, MN $58,250$58,250 $58,250$58,250 $76,900
Nicollet County, MN SEA $62,800$62,800 $62,800$62,800 $82,900
Nobles County, MN $57,900$57,900 $57,900$57,900 $76,450
Norman County, MN $57,900$57,900 $57,900$57,900 $76,450
Otter Tail County, MN $57,900$57,900 $57,900$57,900 $76,450
Pennington County, MN $57,900$57,900 $57,900$57,900 $76,450
Pine County, MN $57,900$57,900 $57,900$57,900 $76,450
Pipestone County, MN $57,900$57,900 $57,900$57,900 $76,450
Pope County, MN $59,050$59,050 $59,050$59,050 $77,950
Red Lake County, MN $59,100$59,100 $59,100$59,100 $78,000
Redwood County, MN $57,900$57,900 $57,900$57,900 $76,450
Renville County, MN $57,900$57,900 $57,900$57,900 $76,450
Rice County, MN $68,700$68,700 $68,700$68,700 $90,700
Rochester, MN HUD Metro FMR Area $75,050$75,050 $75,050$75,050 $99,050
Rock County, MN $57,900$57,900 $57,900$57,900 $76,450
Roseau County, MN $57,900$57,900 $57,900$57,900 $76,450
Sibley County, MN HUD Metro FMR Area $59,050$59,050 $59,050$59,050 $77,950
St. Cloud, MN MSA $61,050$61,050 $61,050$61,050 $80,600
Steele County, MN $62,800$62,800 $62,800$62,800 $82,900
Stevens County, MN $62,000$62,000 $62,000$62,000 $81,850
Swift County, MN $57,900$57,900 $57,900$57,900 $76,450
Todd County, MN $57,900$57,900 $57,900$57,900 $76,450
Traverse County, MN $57,900$57,900 $57,900$57,900 $76,450
Wabasha County, MN HUD Metro FMR Area $60,700$60,700 $60,700$60,700 $80,100
Wadena County, MN $57,900$57,900 $57,900$57,900 $76,450
Waseca County, MN $59,900$59,900 $59,900$59,900 $79,050
Watonwan County, MN $57,900$57,900 $57,900$57,900 $76,450
Wilkin County, MN $57,900$57,900 $57,900$57,900 $76,450
Winona County, MN $60,500$60,500 $60,500$60,500 $79,850
Yellow Medicine County, MN $57,900$57,900 $57,900$57,900 $76,450

More USDA Direct Loan Limits (Low Income)

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