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 $44,800$44,800 $44,800$44,800 $59,150
Atchison County, MO $47,350$47,350 $47,350$47,350 $62,500
Audrain County, MO $44,100$44,100 $44,100$44,100 $58,200
Barry County, MO $39,450$39,450 $39,450$39,450 $52,050
Barton County, MO $40,800$40,800 $40,800$40,800 $53,850
Bates County, MO HUD Metro FMR Area $43,750$43,750 $43,750$43,750 $57,750
Benton County, MO $38,800$38,800 $38,800$38,800 $51,200
Butler County, MO $38,800$38,800 $38,800$38,800 $51,200
Callaway County, MO HUD Metro FMR Area $51,700$51,700 $51,700$51,700 $68,250
Camden County, MO $42,400$42,400 $42,400$42,400 $55,950
Cape Girardeau County, MO SEA $45,100$45,100 $45,100$45,100 $59,550
Cape Girardeau, MO-IL MSA $44,100$44,100 $44,100$44,100 $58,200
Carroll County, MO $50,400$50,400 $50,400$50,400 $66,550
Carter County, MO $38,800$38,800 $38,800$38,800 $51,200
Cedar County, MO $38,800$38,800 $38,800$38,800 $51,200
Chariton County, MO $45,600$45,600 $45,600$45,600 $60,200
Clark County, MO $42,950$42,950 $42,950$42,950 $56,700
Columbia, MO MSA $58,000$58,000 $58,000$58,000 $76,550
Cooper County, MO $46,500$46,500 $46,500$46,500 $61,400
Crawford County, MO $38,800$38,800 $38,800$38,800 $51,200
Dade County, MO $38,800$38,800 $38,800$38,800 $51,200
Dallas County, MO HUD Metro FMR Area $39,750$39,750 $39,750$39,750 $52,450
Daviess County, MO $42,900$42,900 $42,900$42,900 $56,650
Dent County, MO $38,800$38,800 $38,800$38,800 $51,200
Douglas County, MO $38,800$38,800 $38,800$38,800 $51,200
Dunklin County, MO $38,800$38,800 $38,800$38,800 $51,200
Gasconade County, MO $44,250$44,250 $44,250$44,250 $58,400
Gentry County, MO $41,200$41,200 $41,200$41,200 $54,400
Grundy County, MO $40,500$40,500 $40,500$40,500 $53,450
Harrison County, MO $40,650$40,650 $40,650$40,650 $53,650
Henry County, MO $42,400$42,400 $42,400$42,400 $55,950
Hickory County, MO $38,800$38,800 $38,800$38,800 $51,200
Holt County, MO $44,000$44,000 $44,000$44,000 $58,100
Howard County, MO $58,000$58,000 $58,000$58,000 $76,550
Howell County, MO $38,800$38,800 $38,800$38,800 $51,200
Iron County, MO $38,800$38,800 $38,800$38,800 $51,200
Jefferson City, MO HUD Metro FMR Area $56,000$56,000 $56,000$56,000 $73,900
Johnson County, MO $50,150$50,150 $50,150$50,150 $66,200
Joplin, MO MSA $41,350$41,350 $41,350$41,350 $54,600
Kansas City, MO-KS HUD Metro FMR Area $58,650$58,650 $58,650$58,650 $77,400
Knox County, MO $38,800$38,800 $38,800$38,800 $51,200
Laclede County, MO $38,800$38,800 $38,800$38,800 $51,200
Lawrence County, MO $40,650$40,650 $40,650$40,650 $53,650
Lewis County, MO $41,450$41,450 $41,450$41,450 $54,700
Linn County, MO $42,500$42,500 $42,500$42,500 $56,100
Livingston County, MO $46,900$46,900 $46,900$46,900 $61,900
Macon County, MO $41,500$41,500 $41,500$41,500 $54,800
Madison County, MO $38,800$38,800 $38,800$38,800 $51,200
Maries County, MO $45,850$45,850 $45,850$45,850 $60,500
Marion County, MO $45,600$45,600 $45,600$45,600 $60,200
McDonald County, MO HUD Metro FMR Area $38,300$38,300 $38,300$38,300 $50,550
Mercer County, MO $41,050$41,050 $41,050$41,050 $54,200
Miller County, MO $39,300$39,300 $39,300$39,300 $51,900
Mississippi County, MO $38,800$38,800 $38,800$38,800 $51,200
Moniteau County, MO HUD Metro FMR Area $51,850$51,850 $51,850$51,850 $68,450
Monroe County, MO $43,600$43,600 $43,600$43,600 $57,550
Montgomery County, MO $40,400$40,400 $40,400$40,400 $53,350
Morgan County, MO $38,800$38,800 $38,800$38,800 $51,200
New Madrid County, MO $38,800$38,800 $38,800$38,800 $51,200
Nodaway County, MO $47,450$47,450 $47,450$47,450 $62,650
Oregon County, MO $38,800$38,800 $38,800$38,800 $51,200
Ozark County, MO $38,800$38,800 $38,800$38,800 $51,200
Pemiscot County, MO $38,800$38,800 $38,800$38,800 $51,200
Perry County, MO $48,150$48,150 $48,150$48,150 $63,550
Pettis County, MO $42,300$42,300 $42,300$42,300 $55,850
Phelps County, MO $44,700$44,700 $44,700$44,700 $59,000
Pike County, MO $43,750$43,750 $43,750$43,750 $57,750
Polk County, MO HUD Metro FMR Area $41,500$41,500 $41,500$41,500 $54,800
Pulaski County, MO $48,150$48,150 $48,150$48,150 $63,550
Putnam County, MO $38,800$38,800 $38,800$38,800 $51,200
Ralls County, MO $47,100$47,100 $47,100$47,100 $62,150
Randolph County, MO $40,800$40,800 $40,800$40,800 $53,850
Reynolds County, MO $38,800$38,800 $38,800$38,800 $51,200
Ripley County, MO $38,800$38,800 $38,800$38,800 $51,200
Saline County, MO $40,150$40,150 $40,150$40,150 $53,000
Schuyler County, MO $38,800$38,800 $38,800$38,800 $51,200
Scotland County, MO $42,150$42,150 $42,150$42,150 $55,650
Scott County, MO $41,050$41,050 $41,050$41,050 $54,200
Shannon County, MO $38,800$38,800 $38,800$38,800 $51,200
Shelby County, MO $39,600$39,600 $39,600$39,600 $52,250
Springfield, MO HUD Metro FMR Area $44,700$44,700 $44,700$44,700 $59,000
St. Clair County, MO $38,800$38,800 $38,800$38,800 $51,200
St. Francois County, MO $40,550$40,550 $40,550$40,550 $53,550
St. Joseph, MO-KS MSA $48,250$48,250 $48,250$48,250 $63,700
St. Louis, MO-IL HUD Metro FMR Area $56,300$56,300 $56,300$56,300 $74,300
Ste. Genevieve County, MO $48,900$48,900 $48,900$48,900 $64,550
Stoddard County, MO $40,700$40,700 $40,700$40,700 $53,700
Stone County, MO $40,700$40,700 $40,700$40,700 $53,700
Sullivan County, MO $38,800$38,800 $38,800$38,800 $51,200
Taney County, MO $40,550$40,550 $40,550$40,550 $53,550
Texas County, MO $38,800$38,800 $38,800$38,800 $51,200
Vernon County, MO $39,900$39,900 $39,900$39,900 $52,650
Washington County, MO $38,800$38,800 $38,800$38,800 $51,200
Wayne County, MO $38,800$38,800 $38,800$38,800 $51,200
Worth County, MO $41,050$41,050 $41,050$41,050 $54,200
Wright County, MO $38,800$38,800 $38,800$38,800 $51,200

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