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

Nevada USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Carson City, NV MSA $38,900$44,500 $50,050$55,600 $60,050
Churchill County, NV $37,900$43,300 $48,750$54,150 $58,500
Douglas County, NV $43,800$50,050 $56,300$62,550 $67,550
Elko County, NV $44,750$51,100 $57,500$63,900 $69,000
Esmeralda County, NV $36,950$42,250 $47,500$52,800 $57,000
Eureka County, NV $41,700$47,700 $53,650$59,600 $64,350
Humboldt County, NV $42,750$48,900 $55,000$61,100 $66,000
Lander County, NV $43,050$49,200 $55,350$61,500 $66,400
Las Vegas-Henderson-Paradise, NV MSA $36,950$42,250 $47,500$52,800 $57,000
Lincoln County, NV $36,950$42,250 $47,500$52,800 $57,000
Lyon County, NV $36,950$42,250 $47,500$52,800 $57,000
Mineral County, NV $36,950$42,250 $47,500$52,800 $57,000
Nye County, NV $36,950$42,250 $47,500$52,800 $57,000
Pershing County, NV $37,050$42,350 $47,650$52,950 $57,200
Reno, NV MSA $39,950$45,700 $51,400$57,100 $61,650
White Pine County, NV $37,450$42,800 $48,150$53,500 $57,800

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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Maximum Applicant Income
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