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 $35,750$40,850 $45,950$51,050 $55,150
Becker County, MN $35,750$40,850 $45,950$51,050 $55,150
Beltrami County, MN $35,750$40,850 $45,950$51,050 $55,150
Big Stone County, MN $35,750$40,850 $45,950$51,050 $55,150
Brown County, MN $37,800$43,200 $48,600$54,000 $58,300
Cass County, MN $35,750$40,850 $45,950$51,050 $55,150
Chippewa County, MN $37,150$42,450 $47,750$53,050 $57,300
Clearwater County, MN $35,750$40,850 $45,950$51,050 $55,150
Cook County, MN $36,000$41,150 $46,300$51,450 $55,550
Cottonwood County, MN $35,750$40,850 $45,950$51,050 $55,150
Crow Wing County, MN $35,750$40,850 $45,950$51,050 $55,150
Douglas County, MN $37,900$43,300 $48,750$54,150 $58,500
Duluth, MN-WI MSA $36,000$41,150 $46,300$51,450 $55,550
Fargo, ND-MN MSA $42,750$48,850 $54,950$61,050 $65,950
Faribault County, MN $35,750$40,850 $45,950$51,050 $55,150
Fillmore County, MN HUD Metro FMR Area $37,500$42,900 $48,250$53,600 $57,900
Freeborn County, MN $35,750$40,850 $45,950$51,050 $55,150
Goodhue County, MN $42,000$48,000 $54,000$60,000 $64,800
Grand Forks, ND-MN MSA $41,350$47,300 $53,200$59,100 $63,850
Grant County, MN $35,750$40,850 $45,950$51,050 $55,150
Hubbard County, MN $35,750$40,850 $45,950$51,050 $55,150
Itasca County, MN $35,750$40,850 $45,950$51,050 $55,150
Jackson County, MN $37,150$42,450 $47,750$53,050 $57,300
Kanabec County, MN $35,750$40,850 $45,950$51,050 $55,150
Kandiyohi County, MN $36,600$41,850 $47,050$52,300 $56,500
Kittson County, MN $37,900$43,300 $48,750$54,150 $58,500
Koochiching County, MN $35,750$40,850 $45,950$51,050 $55,150
La Crosse-Onalaska, WI-MN MSA $39,300$44,900 $50,550$56,150 $60,650
Lac qui Parle County, MN $35,750$40,850 $45,950$51,050 $55,150
Lake County, MN $35,750$40,850 $45,950$51,050 $55,150
Lake of the Woods County, MN $35,750$40,850 $45,950$51,050 $55,150
Le Sueur County, MN HUD Metro FMR Area $41,350$47,300 $53,200$59,100 $63,850
Lincoln County, MN $36,500$41,700 $46,950$52,150 $56,300
Lyon County, MN $40,250$46,000 $51,750$57,500 $62,100
Mahnomen County, MN $35,750$40,850 $45,950$51,050 $55,150
Mankato-North Mankato, MN MSA $41,650$47,600 $53,550$59,500 $64,250
Marshall County, MN $38,450$43,950 $49,450$54,950 $59,350
Martin County, MN $35,750$40,850 $45,950$51,050 $55,150
McLeod County, MN $41,350$47,300 $53,200$59,100 $63,850
Meeker County, MN $36,750$42,000 $47,250$52,500 $56,700
Mille Lacs County, MN HUD Metro FMR Area $35,750$40,850 $45,950$51,050 $55,150
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Morrison County, MN $35,750$40,850 $45,950$51,050 $55,150
Mower County, MN $35,750$40,850 $45,950$51,050 $55,150
Murray County, MN $36,500$41,700 $46,950$52,150 $56,300
Nicollet County, MN SEA $41,650$47,600 $53,550$59,500 $64,250
Nobles County, MN $35,750$40,850 $45,950$51,050 $55,150
Norman County, MN $35,750$40,850 $45,950$51,050 $55,150
Otter Tail County, MN $35,750$40,850 $45,950$51,050 $55,150
Pennington County, MN $36,100$41,300 $46,450$51,600 $55,750
Pine County, MN $35,750$40,850 $45,950$51,050 $55,150
Pipestone County, MN $35,750$40,850 $45,950$51,050 $55,150
Pope County, MN $37,150$42,500 $47,800$53,100 $57,350
Red Lake County, MN $35,750$40,850 $45,950$51,050 $55,150
Redwood County, MN $35,750$40,850 $45,950$51,050 $55,150
Renville County, MN $35,750$40,850 $45,950$51,050 $55,150
Rice County, MN $42,200$48,200 $54,250$60,250 $65,050
Rochester, MN HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Rock County, MN $35,750$40,850 $45,950$51,050 $55,150
Roseau County, MN $35,750$40,850 $45,950$51,050 $55,150
Sibley County, MN HUD Metro FMR Area $37,650$43,000 $48,400$53,750 $58,050
St. Cloud, MN MSA $41,000$46,850 $52,700$58,550 $63,250
Steele County, MN $42,500$48,550 $54,650$60,700 $65,550
Stevens County, MN $41,150$47,050 $52,900$58,800 $63,500
Swift County, MN $36,900$42,150 $47,450$52,700 $56,900
Todd County, MN $35,750$40,850 $45,950$51,050 $55,150
Traverse County, MN $35,750$40,900 $46,000$51,100 $55,200
Wabasha County, MN HUD Metro FMR Area $40,500$46,300 $52,050$57,850 $62,500
Wadena County, MN $35,750$40,850 $45,950$51,050 $55,150
Waseca County, MN $38,200$43,650 $49,100$54,550 $58,900
Watonwan County, MN $35,750$40,850 $45,950$51,050 $55,150
Wilkin County, MN $36,100$41,300 $46,450$51,600 $55,750
Winona County, MN $39,050$44,600 $50,200$55,750 $60,200
Yellow Medicine County, MN $35,750$40,850 $45,950$51,050 $55,150

More USDA Direct Loan Limits (Low Income)

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