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

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All USDA Loan Income Limits
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Direct Loans are less common in Mississippi 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.

Mississippi USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, MS $34,300$34,300 $34,300$34,300 $45,300
Alcorn County, MS $38,400$38,400 $38,400$38,400 $50,700
Amite County, MS $34,300$34,300 $34,300$34,300 $45,300
Attala County, MS $34,400$34,400 $34,400$34,400 $45,400
Benton County, MS HUD Metro FMR Area $35,850$35,850 $35,850$35,850 $47,300
Bolivar County, MS $34,300$34,300 $34,300$34,300 $45,300
Calhoun County, MS $34,800$34,800 $34,800$34,800 $45,950
Carroll County, MS $38,000$38,000 $38,000$38,000 $50,150
Chickasaw County, MS $36,100$36,100 $36,100$36,100 $47,650
Choctaw County, MS $34,650$34,650 $34,650$34,650 $45,750
Claiborne County, MS $34,300$34,300 $34,300$34,300 $45,300
Clarke County, MS $34,300$34,300 $34,300$34,300 $45,300
Clay County, MS $35,850$35,850 $35,850$35,850 $47,300
Coahoma County, MS $34,300$34,300 $34,300$34,300 $45,300
Covington County, MS $36,400$36,400 $36,400$36,400 $48,050
Franklin County, MS $34,300$34,300 $34,300$34,300 $45,300
George County, MS $47,450$47,450 $47,450$47,450 $62,650
Greene County, MS $38,700$38,700 $38,700$38,700 $51,100
Grenada County, MS $39,700$39,700 $39,700$39,700 $52,400
Gulfport-Biloxi, MS HUD Metro FMR Area $43,850$43,850 $43,850$43,850 $57,900
Hattiesburg, MS MSA $42,150$42,150 $42,150$42,150 $55,650
Holmes County, MS $34,300$34,300 $34,300$34,300 $45,300
Humphreys County, MS $34,300$34,300 $34,300$34,300 $45,300
Issaquena County, MS $35,300$35,300 $35,300$35,300 $46,600
Itawamba County, MS $38,950$38,950 $38,950$38,950 $51,400
Jackson, MS HUD Metro FMR Area $47,050$47,050 $47,050$47,050 $62,100
Jasper County, MS $34,300$34,300 $34,300$34,300 $45,300
Jefferson County, MS $34,300$34,300 $34,300$34,300 $45,300
Jefferson Davis County, MS $34,300$34,300 $34,300$34,300 $45,300
Jones County, MS $35,700$35,700 $35,700$35,700 $47,100
Kemper County, MS $36,500$36,500 $36,500$36,500 $48,200
Lafayette County, MS $53,100$53,100 $53,100$53,100 $70,100
Lauderdale County, MS $38,800$38,800 $38,800$38,800 $51,200
Lawrence County, MS $42,100$42,100 $42,100$42,100 $55,550
Leake County, MS $36,300$36,300 $36,300$36,300 $47,900
Lee County, MS $46,250$46,250 $46,250$46,250 $61,050
Leflore County, MS $34,300$34,300 $34,300$34,300 $45,300
Lincoln County, MS $37,850$37,850 $37,850$37,850 $49,950
Lowndes County, MS $40,950$40,950 $40,950$40,950 $54,050
Marion County, MS $36,400$36,400 $36,400$36,400 $48,050
Marshall County, MS HUD Metro FMR Area $37,500$37,500 $37,500$37,500 $49,500
Memphis, TN-MS-AR HUD Metro FMR Area $48,100$48,100 $48,100$48,100 $63,500
Monroe County, MS $37,450$37,450 $37,450$37,450 $49,450
Montgomery County, MS $34,300$34,300 $34,300$34,300 $45,300
Neshoba County, MS $34,950$34,950 $34,950$34,950 $46,150
Newton County, MS $37,200$37,200 $37,200$37,200 $49,100
Noxubee County, MS $34,300$34,300 $34,300$34,300 $45,300
Oktibbeha County, MS $44,700$44,700 $44,700$44,700 $59,000
Panola County, MS $34,900$34,900 $34,900$34,900 $46,050
Pascagoula, MS HUD Metro FMR Area $47,450$47,450 $47,450$47,450 $62,650
Pearl River County, MS $41,350$41,350 $41,350$41,350 $54,600
Pike County, MS $35,450$35,450 $35,450$35,450 $46,800
Pontotoc County, MS $42,150$42,150 $42,150$42,150 $55,650
Prentiss County, MS $35,900$35,900 $35,900$35,900 $47,400
Quitman County, MS $34,300$34,300 $34,300$34,300 $45,300
Scott County, MS $34,700$34,700 $34,700$34,700 $45,800
Sharkey County, MS $37,750$37,750 $37,750$37,750 $49,850
Simpson County, MS HUD Metro FMR Area $37,300$37,300 $37,300$37,300 $49,250
Smith County, MS $38,250$38,250 $38,250$38,250 $50,500
Stone County, MS $43,850$43,850 $43,850$43,850 $57,900
Sunflower County, MS $34,300$34,300 $34,300$34,300 $45,300
Tallahatchie County, MS $34,300$34,300 $34,300$34,300 $45,300
Tate County, MS HUD Metro FMR Area $43,500$43,500 $43,500$43,500 $57,400
Tippah County, MS $35,450$35,450 $35,450$35,450 $46,800
Tishomingo County, MS $35,450$35,450 $35,450$35,450 $46,800
Tunica County, MS HUD Metro FMR Area $37,500$37,500 $37,500$37,500 $49,500
Union County, MS $39,300$39,300 $39,300$39,300 $51,900
Walthall County, MS $35,750$35,750 $35,750$35,750 $47,200
Warren County, MS $45,450$45,450 $45,450$45,450 $60,000
Washington County, MS $34,300$34,300 $34,300$34,300 $45,300
Wayne County, MS $34,300$34,300 $34,300$34,300 $45,300
Webster County, MS $38,500$38,500 $38,500$38,500 $50,800
Wilkinson County, MS $36,150$36,150 $36,150$36,150 $47,700
Winston County, MS $35,100$35,100 $35,100$35,100 $46,350
Yalobusha County, MS $38,100$38,100 $38,100$38,100 $50,300
Yazoo County, MS HUD Metro FMR Area $34,300$34,300 $34,300$34,300 $45,300

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