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

Missouri USDA Direct Loan Maximum Income Limits

Area
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

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Maximum Applicant Income
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