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

Montana USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Beaverhead County, MT $33,800$38,600 $43,450$48,250 $52,100
Big Horn County, MT $33,800$38,600 $43,450$48,250 $52,100
Billings, MT HUD Metro FMR Area $37,750$43,100 $48,500$53,900 $58,200
Blaine County, MT $33,800$38,600 $43,450$48,250 $52,100
Broadwater County, MT $33,800$38,600 $43,450$48,250 $52,100
Carter County, MT $34,500$39,450 $44,350$49,300 $53,250
Chouteau County, MT $33,800$38,600 $43,450$48,250 $52,100
Custer County, MT $33,800$38,600 $43,450$48,250 $52,100
Daniels County, MT $34,500$39,450 $44,350$49,300 $53,250
Dawson County, MT $36,800$42,050 $47,300$52,550 $56,750
Deer Lodge County, MT $33,800$38,600 $43,450$48,250 $52,100
Fallon County, MT $39,000$44,550 $50,150$55,700 $60,150
Fergus County, MT $33,800$38,600 $43,450$48,250 $52,100
Flathead County, MT $33,800$38,650 $43,450$48,300 $52,150
Gallatin County, MT $40,300$46,100 $51,850$57,600 $62,200
Garfield County, MT $34,450$39,350 $44,300$49,200 $53,150
Glacier County, MT $33,800$38,600 $43,450$48,250 $52,100
Golden Valley County, MT HUD Metro FMR Area $33,800$38,600 $43,450$48,250 $52,100
Granite County, MT $34,450$39,350 $44,300$49,200 $53,150
Great Falls, MT MSA $34,450$39,350 $44,300$49,200 $53,150
Hill County, MT $34,150$39,050 $43,900$48,800 $52,700
Jefferson County, MT $44,400$50,750 $57,100$63,450 $68,550
Judith Basin County, MT $33,800$38,600 $43,450$48,250 $52,100
Lake County, MT $33,800$38,600 $43,450$48,250 $52,100
Lewis and Clark County, MT $41,250$47,100 $53,000$58,900 $63,600
Liberty County, MT $33,800$38,600 $43,450$48,250 $52,100
Lincoln County, MT $33,800$38,600 $43,450$48,250 $52,100
Madison County, MT $35,450$40,500 $45,600$50,650 $54,700
McCone County, MT $34,650$39,600 $44,550$49,500 $53,450
Meagher County, MT $33,800$38,600 $43,450$48,250 $52,100
Mineral County, MT $33,800$38,600 $43,450$48,250 $52,100
Missoula, MT MSA $36,300$41,500 $46,650$51,850 $56,000
Musselshell County, MT $34,450$39,350 $44,300$49,200 $53,150
Park County, MT $33,800$38,600 $43,450$48,250 $52,100
Petroleum County, MT $33,800$38,600 $43,450$48,250 $52,100
Phillips County, MT $34,650$39,600 $44,550$49,500 $53,450
Pondera County, MT $33,800$38,600 $43,450$48,250 $52,100
Powder River County, MT $33,800$38,600 $43,450$48,250 $52,100
Powell County, MT $33,800$38,600 $43,450$48,250 $52,100
Prairie County, MT $33,800$38,600 $43,450$48,250 $52,100
Ravalli County, MT $33,800$38,600 $43,450$48,250 $52,100
Richland County, MT $38,900$44,500 $50,050$55,600 $60,050
Roosevelt County, MT $33,800$38,600 $43,450$48,250 $52,100
Rosebud County, MT $34,600$39,550 $44,500$49,450 $53,400
Sanders County, MT $33,800$38,600 $43,450$48,250 $52,100
Sheridan County, MT $38,200$43,650 $49,100$54,550 $58,900
Silver Bow County, MT $33,800$38,600 $43,450$48,250 $52,100
Stillwater County, MT $39,850$45,550 $51,250$56,950 $61,500
Sweet Grass County, MT $35,200$40,250 $45,250$50,300 $54,300
Teton County, MT $33,800$38,600 $43,450$48,250 $52,100
Toole County, MT $34,250$39,100 $44,000$48,900 $52,800
Treasure County, MT $33,800$38,600 $43,450$48,250 $52,100
Valley County, MT $34,500$39,450 $44,350$49,300 $53,250
Wheatland County, MT $33,800$38,600 $43,450$48,250 $52,100
Wibaux County, MT $36,100$41,300 $46,450$51,600 $55,750

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
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