The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Missouri aren’t the same thing as USDA Section 502 Guaranteed Loans in Missouri. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Missouri?

USDA Loan RequirementsUSDA Direct Loans in Missouri are low income loans that can be used to purchase homes in rural areas. 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). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of MO is $55,461, although that figure may vary from county to county. The maximum yearly income limits for Missouri USDA Direct Loan approval are listed below. Other than meeting Missouri USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

  • You have no decent clean, safe, and sanitary housing presently.
  • You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
  • You must use this property for your primary residence.
  • You must possess the legal capacity to be able to contract a loan
  • You must meet citizenship or eligible noncitizen requirements.
  • You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

  • Be a modestly sized home for that area.
  • Market value can’t be in excess of the areas applicable loan limit.
  • Can’t be designed for the production of income.

What areas in MO are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in MO here.

How much can I borrow with a USDA Direct Home Loan?

The size of the mortgage that an applicant’s eligible for depends on their ability to repay. Rural Development takes into account income, assets, debt, and payment assistance when weighing eligibility for USDA Direct home loans. No matter what the repayment ability is, you can’t borrow more than the local loan limit for the county where the home is located.

Are there other mortgage options with low down payment or no down payment in Missouri?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Missouri besides USDA Direct Loans. You can begin by researching Missouri USDA Guaranteed Loans, Missouri FHA Loans, and Missouri VA Loans if you’re a veteran in MO or qualified family member. You may also want to look into helpful programs for down payment assistance in Missouri.

Missouri USDA Direct Loan Maximum Income Limits

1 Person
2 Person
3 Person
4 Person
5 Person
Adair County, MO $49,600$49,600 $49,600$49,600 $65,450
Atchison County, MO $49,500$49,500 $49,500$49,500 $65,350
Audrain County, MO $45,600$45,600 $45,600$45,600 $60,200
Barry County, MO $44,150$44,150 $44,150$44,150 $58,300
Barton County, MO $44,150$44,150 $44,150$44,150 $58,300
Bates County, MO HUD Metro FMR Area $46,900$46,900 $46,900$46,900 $61,900
Benton County, MO $44,150$44,150 $44,150$44,150 $58,300
Butler County, MO $44,150$44,150 $44,150$44,150 $58,300
Callaway County, MO HUD Metro FMR Area $52,150$52,150 $52,150$52,150 $68,850
Camden County, MO $46,950$46,950 $46,950$46,950 $61,950
Cape Girardeau County, MO SEA $51,700$51,700 $51,700$51,700 $68,250
Cape Girardeau, MO-IL MSA $51,700$51,700 $51,700$51,700 $68,250
Carroll County, MO $50,400$50,400 $50,400$50,400 $66,550
Carter County, MO $44,150$44,150 $44,150$44,150 $58,300
Cedar County, MO $44,150$44,150 $44,150$44,150 $58,300
Chariton County, MO $46,700$46,700 $46,700$46,700 $61,650
Clark County, MO $46,800$46,800 $46,800$46,800 $61,800
Columbia, MO MSA $63,500$63,500 $63,500$63,500 $83,800
Cooper County, MO $52,400$52,400 $52,400$52,400 $69,150
Crawford County, MO $44,150$44,150 $44,150$44,150 $58,300
Dade County, MO $44,150$44,150 $44,150$44,150 $58,300
Dallas County, MO HUD Metro FMR Area $44,150$44,150 $44,150$44,150 $58,300
Daviess County, MO $45,500$45,500 $45,500$45,500 $60,050
Dent County, MO $44,150$44,150 $44,150$44,150 $58,300
Douglas County, MO $44,150$44,150 $44,150$44,150 $58,300
Dunklin County, MO $44,150$44,150 $44,150$44,150 $58,300
Gasconade County, MO $48,550$48,550 $48,550$48,550 $64,100
Gentry County, MO $46,000$46,000 $46,000$46,000 $60,700
Grundy County, MO $46,700$46,700 $46,700$46,700 $61,650
Harrison County, MO $44,150$44,150 $44,150$44,150 $58,300
Henry County, MO $44,550$44,550 $44,550$44,550 $58,800
Hickory County, MO $44,150$44,150 $44,150$44,150 $58,300
Holt County, MO $46,500$46,500 $46,500$46,500 $61,400
Howard County, MO $58,000$58,000 $58,000$58,000 $76,550
Howell County, MO $44,150$44,150 $44,150$44,150 $58,300
Iron County, MO $44,150$44,150 $44,150$44,150 $58,300
Jefferson City, MO HUD Metro FMR Area $60,500$60,500 $60,500$60,500 $79,850
Johnson County, MO $52,100$52,100 $52,100$52,100 $68,750
Joplin, MO MSA $46,550$46,550 $46,550$46,550 $61,450
Kansas City, MO-KS HUD Metro FMR Area $66,150$66,150 $66,150$66,150 $87,300
Knox County, MO $44,150$44,150 $44,150$44,150 $58,300
Laclede County, MO $44,150$44,150 $44,150$44,150 $58,300
Lawrence County, MO $44,150$44,150 $44,150$44,150 $58,300
Lewis County, MO $47,350$47,350 $47,350$47,350 $62,500
Linn County, MO $44,150$44,150 $44,150$44,150 $58,300
Livingston County, MO $49,200$49,200 $49,200$49,200 $64,950
Macon County, MO $44,150$44,150 $44,150$44,150 $58,300
Madison County, MO $44,150$44,150 $44,150$44,150 $58,300
Maries County, MO $45,850$45,850 $45,850$45,850 $60,500
Marion County, MO $47,350$47,350 $47,350$47,350 $62,500
McDonald County, MO HUD Metro FMR Area $44,150$44,150 $44,150$44,150 $58,300
Mercer County, MO $44,150$44,150 $44,150$44,150 $58,300
Miller County, MO $44,150$44,150 $44,150$44,150 $58,300
Mississippi County, MO $44,150$44,150 $44,150$44,150 $58,300
Moniteau County, MO HUD Metro FMR Area $52,700$52,700 $52,700$52,700 $69,550
Monroe County, MO $46,300$46,300 $46,300$46,300 $61,100
Montgomery County, MO $44,150$44,150 $44,150$44,150 $58,300
Morgan County, MO $44,150$44,150 $44,150$44,150 $58,300
New Madrid County, MO $44,150$44,150 $44,150$44,150 $58,300
Nodaway County, MO $47,500$47,500 $47,500$47,500 $62,700
Oregon County, MO $44,150$44,150 $44,150$44,150 $58,300
Ozark County, MO $44,150$44,150 $44,150$44,150 $58,300
Pemiscot County, MO $44,150$44,150 $44,150$44,150 $58,300
Perry County, MO $53,350$53,350 $53,350$53,350 $70,400
Pettis County, MO $44,150$44,150 $44,150$44,150 $58,300
Phelps County, MO $48,150$48,150 $48,150$48,150 $63,550
Pike County, MO $46,100$46,100 $46,100$46,100 $60,850
Polk County, MO HUD Metro FMR Area $44,150$44,150 $44,150$44,150 $58,300
Pulaski County, MO $48,150$48,150 $48,150$48,150 $63,550
Putnam County, MO $44,150$44,150 $44,150$44,150 $58,300
Ralls County, MO $50,000$50,000 $50,000$50,000 $66,000
Randolph County, MO $45,850$45,850 $45,850$45,850 $60,500
Reynolds County, MO $44,150$44,150 $44,150$44,150 $58,300
Ripley County, MO $44,150$44,150 $44,150$44,150 $58,300
Saline County, MO $44,150$44,150 $44,150$44,150 $58,300
Schuyler County, MO $44,150$44,150 $44,150$44,150 $58,300
Scotland County, MO $46,700$46,700 $46,700$46,700 $61,650
Scott County, MO $44,150$44,150 $44,150$44,150 $58,300
Shannon County, MO $44,150$44,150 $44,150$44,150 $58,300
Shelby County, MO $46,300$46,300 $46,300$46,300 $61,100
Springfield, MO HUD Metro FMR Area $50,300$50,300 $50,300$50,300 $66,400
St. Clair County, MO $44,150$44,150 $44,150$44,150 $58,300
St. Francois County, MO $47,350$47,350 $47,350$47,350 $62,500
St. Joseph, MO-KS MSA $51,450$51,450 $51,450$51,450 $67,900
St. Louis, MO-IL HUD Metro FMR Area $65,050$65,050 $65,050$65,050 $85,850
Ste. Genevieve County, MO $51,850$51,850 $51,850$51,850 $68,450
Stoddard County, MO $44,150$44,150 $44,150$44,150 $58,300
Stone County, MO $44,150$44,150 $44,150$44,150 $58,300
Sullivan County, MO $44,150$44,150 $44,150$44,150 $58,300
Taney County, MO $44,150$44,150 $44,150$44,150 $58,300
Texas County, MO $44,150$44,150 $44,150$44,150 $58,300
Vernon County, MO $44,150$44,150 $44,150$44,150 $58,300
Washington County, MO $44,150$44,150 $44,150$44,150 $58,300
Wayne County, MO $44,150$44,150 $44,150$44,150 $58,300
Worth County, MO $45,700$45,700 $45,700$45,700 $60,300
Wright County, MO $44,150$44,150 $44,150$44,150 $58,300

More USDA Loan Resources

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
USDA Loan Calculator

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