USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of New York. 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
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USDA Loan Programs

Direct Loans are less common in New York 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.

New York USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Albany-Schenectady-Troy, NY MSA $71,900$71,900 $71,900$71,900 $94,900
Allegany County, NY $52,950$52,950 $52,950$52,950 $69,900
Binghamton, NY MSA $56,400$56,400 $56,400$56,400 $74,450
Buffalo-Cheektowaga-Niagara Falls, NY MSA $61,500$61,500 $61,500$61,500 $81,200
Cattaraugus County, NY $52,950$52,950 $52,950$52,950 $69,900
Cayuga County, NY $56,250$56,250 $56,250$56,250 $74,250
Chautauqua County, NY $52,950$52,950 $52,950$52,950 $69,900
Chenango County, NY $52,950$52,950 $52,950$52,950 $69,900
Clinton County, NY $54,650$54,650 $54,650$54,650 $72,150
Columbia County, NY $63,100$63,100 $63,100$63,100 $83,300
Cortland County, NY $56,500$56,500 $56,500$56,500 $74,600
Delaware County, NY $52,950$52,950 $52,950$52,950 $69,900
Elmira, NY MSA $59,200$59,200 $59,200$59,200 $78,150
Essex County, NY $56,250$56,250 $56,250$56,250 $74,250
Franklin County, NY $52,950$52,950 $52,950$52,950 $69,900
Fulton County, NY $52,950$52,950 $52,950$52,950 $69,900
Genesee County, NY $56,700$56,700 $56,700$56,700 $74,850
Glens Falls, NY MSA $57,100$57,100 $57,100$57,100 $75,350
Greene County, NY $55,100$55,100 $55,100$55,100 $72,750
Hamilton County, NY $52,950$52,950 $52,950$52,950 $69,900
Ithaca, NY MSA $67,350$67,350 $67,350$67,350 $88,900
Kingston, NY MSA $66,650$66,650 $66,650$66,650 $88,000
Lewis County, NY $52,950$52,950 $52,950$52,950 $69,900
Montgomery County, NY $52,950$52,950 $52,950$52,950 $69,900
Nassau-Suffolk, NY HUD Metro FMR Area $88,950$88,950 $88,950$88,950 $117,400
New York, NY HUD Metro FMR Area $85,350$85,350 $85,350$85,350 $112,650
Otsego County, NY $53,350$53,350 $53,350$53,350 $70,400
Poughkeepsie-Newburgh-Middletown, NY HUD Metro FMR Area $75,500$75,500 $75,500$75,500 $99,650
Rochester, NY HUD Metro FMR Area $60,550$60,550 $60,550$60,550 $79,950
Rockland County, NY HUD Metro FMR Area $85,350$85,350 $85,350$85,350 $112,650
Schuyler County, NY $52,950$52,950 $52,950$52,950 $69,900
Seneca County, NY $55,200$55,200 $55,200$55,200 $72,850
St. Lawrence County, NY $52,950$52,950 $52,950$52,950 $69,900
Steuben County, NY $52,950$52,950 $52,950$52,950 $69,900
Sullivan County, NY $59,850$59,850 $59,850$59,850 $79,000
Syracuse, NY MSA $63,600$63,600 $63,600$63,600 $83,950
Utica-Rome, NY MSA $56,300$56,300 $56,300$56,300 $74,300
Watertown-Fort Drum, NY MSA $54,250$54,250 $54,250$54,250 $71,600
Westchester County, NY Statutory Exception Area $82,800$82,800 $82,800$82,800 $109,300
Wyoming County, NY $54,800$54,800 $54,800$54,800 $72,350
Yates County, NY HUD Metro FMR Area $55,300$55,300 $55,300$55,300 $73,000

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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Maximum Applicant Income
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