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

Nebraska USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, NE $54,150$54,150 $54,150$54,150 $71,500
Antelope County, NE $48,800$48,800 $48,800$48,800 $64,400
Arthur County, NE $48,800$48,800 $48,800$48,800 $64,400
Banner County, NE $48,800$48,800 $48,800$48,800 $64,400
Blaine County, NE $48,800$48,800 $48,800$48,800 $64,400
Boone County, NE $48,800$48,800 $48,800$48,800 $64,400
Box Butte County, NE $48,800$48,800 $48,800$48,800 $64,400
Boyd County, NE $48,800$48,800 $48,800$48,800 $64,400
Brown County, NE $48,800$48,800 $48,800$48,800 $64,400
Buffalo County, NE $55,050$55,050 $55,050$55,050 $72,650
Burt County, NE $51,750$51,750 $51,750$51,750 $68,300
Butler County, NE $54,300$54,300 $54,300$54,300 $71,700
Cedar County, NE $48,800$48,800 $48,800$48,800 $64,400
Chase County, NE $48,800$48,800 $48,800$48,800 $64,400
Cherry County, NE $48,800$48,800 $48,800$48,800 $64,400
Cheyenne County, NE $52,950$52,950 $52,950$52,950 $69,900
Clay County, NE $48,800$48,800 $48,800$48,800 $64,400
Colfax County, NE $50,800$50,800 $50,800$50,800 $67,050
Cuming County, NE $50,800$50,800 $50,800$50,800 $67,050
Custer County, NE $48,800$48,800 $48,800$48,800 $64,400
Dawes County, NE $51,200$51,200 $51,200$51,200 $67,600
Dawson County, NE $48,800$48,800 $48,800$48,800 $64,400
Deuel County, NE $48,800$48,800 $48,800$48,800 $64,400
Dodge County, NE $48,800$48,800 $48,800$48,800 $64,400
Dundy County, NE $48,800$48,800 $48,800$48,800 $64,400
Fillmore County, NE $51,350$51,350 $51,350$51,350 $67,800
Franklin County, NE $48,800$48,800 $48,800$48,800 $64,400
Frontier County, NE $49,450$49,450 $49,450$49,450 $65,250
Furnas County, NE $48,800$48,800 $48,800$48,800 $64,400
Gage County, NE $50,500$50,500 $50,500$50,500 $66,650
Garden County, NE $48,800$48,800 $48,800$48,800 $64,400
Garfield County, NE $48,800$48,800 $48,800$48,800 $64,400
Gosper County, NE $48,800$48,800 $48,800$48,800 $64,400
Grant County, NE $48,800$48,800 $48,800$48,800 $64,400
Greeley County, NE $48,800$48,800 $48,800$48,800 $64,400
Hall County, NE HUD Metro FMR Area $48,800$48,800 $48,800$48,800 $64,400
Hamilton County, NE HUD Metro FMR Area $52,500$52,500 $52,500$52,500 $69,300
Harlan County, NE $48,800$48,800 $48,800$48,800 $64,400
Hayes County, NE $48,800$48,800 $48,800$48,800 $64,400
Hitchcock County, NE $48,800$48,800 $48,800$48,800 $64,400
Holt County, NE $49,750$49,750 $49,750$49,750 $65,650
Hooker County, NE $48,800$48,800 $48,800$48,800 $64,400
Howard County, NE HUD Metro FMR Area $53,200$53,200 $53,200$53,200 $70,200
Jefferson County, NE $48,800$48,800 $48,800$48,800 $64,400
Johnson County, NE $48,800$48,800 $48,800$48,800 $64,400
Kearney County, NE $53,900$53,900 $53,900$53,900 $71,150
Keith County, NE $49,200$49,200 $49,200$49,200 $64,950
Keya Paha County, NE $48,800$48,800 $48,800$48,800 $64,400
Kimball County, NE $48,800$48,800 $48,800$48,800 $64,400
Knox County, NE $48,800$48,800 $48,800$48,800 $64,400
Lincoln County, NE $54,250$54,250 $54,250$54,250 $71,600
Lincoln, NE HUD Metro FMR Area $56,800$56,800 $56,800$56,800 $75,000
Logan County, NE $48,800$48,800 $48,800$48,800 $64,400
Loup County, NE $48,800$48,800 $48,800$48,800 $64,400
Madison County, NE $50,000$50,000 $50,000$50,000 $66,000
McPherson County, NE $50,900$50,900 $50,900$50,900 $67,200
Merrick County, NE HUD Metro FMR Area $48,800$48,800 $48,800$48,800 $64,400
Morrill County, NE $48,800$48,800 $48,800$48,800 $64,400
Nance County, NE $48,800$48,800 $48,800$48,800 $64,400
Nemaha County, NE $53,500$53,500 $53,500$53,500 $70,600
Nuckolls County, NE $48,800$48,800 $48,800$48,800 $64,400
Omaha-Council Bluffs, NE-IA HUD Metro FMR Area $58,400$58,400 $58,400$58,400 $77,100
Otoe County, NE $53,900$53,900 $53,900$53,900 $71,150
Pawnee County, NE $48,800$48,800 $48,800$48,800 $64,400
Perkins County, NE $54,150$54,150 $54,150$54,150 $71,500
Phelps County, NE $54,100$54,100 $54,100$54,100 $71,400
Pierce County, NE $51,850$51,850 $51,850$51,850 $68,450
Platte County, NE $51,750$51,750 $51,750$51,750 $68,300
Polk County, NE $52,400$52,400 $52,400$52,400 $69,150
Red Willow County, NE $49,900$49,900 $49,900$49,900 $65,850
Richardson County, NE $48,800$48,800 $48,800$48,800 $64,400
Rock County, NE $48,800$48,800 $48,800$48,800 $64,400
Saline County, NE $48,800$48,800 $48,800$48,800 $64,400
Saunders County, NE HUD Metro FMR Area $61,700$61,700 $61,700$61,700 $81,450
Scotts Bluff County, NE $48,800$48,800 $48,800$48,800 $64,400
Seward County, NE HUD Metro FMR Area $62,800$62,800 $62,800$62,800 $82,900
Sheridan County, NE $48,800$48,800 $48,800$48,800 $64,400
Sherman County, NE $48,800$48,800 $48,800$48,800 $64,400
Sioux City, IA-NE-SD HUD Metro FMR Area $50,650$50,650 $50,650$50,650 $66,850
Sioux County, NE $48,800$48,800 $48,800$48,800 $64,400
Stanton County, NE $50,400$50,400 $50,400$50,400 $66,550
Thayer County, NE $48,800$48,800 $48,800$48,800 $64,400
Thomas County, NE $52,000$52,000 $52,000$52,000 $68,650
Thurston County, NE $48,800$48,800 $48,800$48,800 $64,400
Valley County, NE $48,800$48,800 $48,800$48,800 $64,400
Wayne County, NE $54,550$54,550 $54,550$54,550 $72,000
Webster County, NE $48,800$48,800 $48,800$48,800 $64,400
Wheeler County, NE $48,800$48,800 $48,800$48,800 $64,400
York County, NE $51,200$51,200 $51,200$51,200 $67,600

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