USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of North Carolina. 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
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Direct Loans are less common in North Carolina 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.

North Carolina USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Alleghany County, NC $40,650$40,650 $40,650$40,650 $53,650
Anson County, NC $40,650$40,650 $40,650$40,650 $53,650
Ashe County, NC $40,700$40,700 $40,700$40,700 $53,700
Asheville, NC HUD Metro FMR Area $46,700$46,700 $46,700$46,700 $61,650
Avery County, NC $40,950$40,950 $40,950$40,950 $54,050
Beaufort County, NC $42,700$42,700 $42,700$42,700 $56,350
Bertie County, NC $40,650$40,650 $40,650$40,650 $53,650
Bladen County, NC $40,650$40,650 $40,650$40,650 $53,650
Brunswick County, NC HUD Metro FMR Area $50,500$50,500 $50,500$50,500 $66,650
Burlington, NC MSA $44,900$44,900 $44,900$44,900 $59,250
Camden County, NC $57,900$57,900 $57,900$57,900 $76,450
Carteret County, NC $49,300$49,300 $49,300$49,300 $65,100
Caswell County, NC $41,700$41,700 $41,700$41,700 $55,050
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area $54,800$54,800 $54,800$54,800 $72,350
Cherokee County, NC $40,650$40,650 $40,650$40,650 $53,650
Chowan County, NC $40,650$40,650 $40,650$40,650 $53,650
Clay County, NC $40,650$40,650 $40,650$40,650 $53,650
Cleveland County, NC $40,700$40,700 $40,700$40,700 $53,700
Columbus County, NC $40,650$40,650 $40,650$40,650 $53,650
Craven County, NC HUD Metro FMR Area $47,750$47,750 $47,750$47,750 $63,050
Dare County, NC $56,150$56,150 $56,150$56,150 $74,100
Davidson County, NC HUD Metro FMR Area $45,350$45,350 $45,350$45,350 $59,850
Duplin County, NC $40,650$40,650 $40,650$40,650 $53,650
Durham-Chapel Hill, NC HUD Metro FMR Area $57,050$57,050 $57,050$57,050 $75,300
Fayetteville, NC HUD Metro FMR Area $43,450$43,450 $43,450$43,450 $57,350
Gates County, NC HUD Metro FMR Area $49,450$49,450 $49,450$49,450 $65,250
Goldsboro, NC MSA $42,800$42,800 $42,800$42,800 $56,500
Graham County, NC $40,650$40,650 $40,650$40,650 $53,650
Granville County, NC $48,650$48,650 $48,650$48,650 $64,200
Greene County, NC $42,300$42,300 $42,300$42,300 $55,850
Greensboro-High Point, NC HUD Metro FMR Area $46,800$46,800 $46,800$46,800 $61,800
Greenville, NC MSA $45,900$45,900 $45,900$45,900 $60,600
Halifax County, NC $40,650$40,650 $40,650$40,650 $53,650
Harnett County, NC $44,550$44,550 $44,550$44,550 $58,800
Haywood County, NC HUD Metro FMR Area $44,000$44,000 $44,000$44,000 $58,100
Hertford County, NC $40,650$40,650 $40,650$40,650 $53,650
Hickory-Lenoir-Morganton, NC MSA $42,650$42,650 $42,650$42,650 $56,300
Hoke County, NC HUD Metro FMR Area $44,700$44,700 $44,700$44,700 $59,000
Hyde County, NC $40,650$40,650 $40,650$40,650 $53,650
Iredell County, NC HUD Metro FMR Area $50,000$50,000 $50,000$50,000 $66,000
Jackson County, NC $42,100$42,100 $42,100$42,100 $55,550
Jacksonville, NC MSA $40,950$40,950 $40,950$40,950 $54,050
Jones County, NC HUD Metro FMR Area $41,050$41,050 $41,050$41,050 $54,200
Lee County, NC $46,300$46,300 $46,300$46,300 $61,100
Lenoir County, NC $40,650$40,650 $40,650$40,650 $53,650
Lincoln County, NC HUD Metro FMR Area $51,300$51,300 $51,300$51,300 $67,700
Macon County, NC $40,650$40,650 $40,650$40,650 $53,650
Martin County, NC $40,650$40,650 $40,650$40,650 $53,650
McDowell County, NC $40,650$40,650 $40,650$40,650 $53,650
Mitchell County, NC $40,650$40,650 $40,650$40,650 $53,650
Montgomery County, NC $40,650$40,650 $40,650$40,650 $53,650
Moore County, NC $51,200$51,200 $51,200$51,200 $67,600
Northampton County, NC $40,650$40,650 $40,650$40,650 $53,650
Pamlico County, NC HUD Metro FMR Area $46,400$46,400 $46,400$46,400 $61,250
Pasquotank County, NC $47,450$47,450 $47,450$47,450 $62,650
Pender County, NC HUD Metro FMR Area $46,000$46,000 $46,000$46,000 $60,700
Perquimans County, NC $42,700$42,700 $42,700$42,700 $56,350
Person County, NC HUD Metro FMR Area $46,550$46,550 $46,550$46,550 $61,450
Polk County, NC $44,900$44,900 $44,900$44,900 $59,250
Raleigh, NC MSA $63,900$63,900 $63,900$63,900 $84,350
Richmond County, NC $40,650$40,650 $40,650$40,650 $53,650
Robeson County, NC $40,650$40,650 $40,650$40,650 $53,650
Rockingham County, NC HUD Metro FMR Area $41,850$41,850 $41,850$41,850 $55,250
Rocky Mount, NC MSA $42,150$42,150 $42,150$42,150 $55,650
Rowan County, NC HUD Metro FMR Area $51,300$51,300 $51,300$51,300 $67,700
Rutherford County, NC $40,650$40,650 $40,650$40,650 $53,650
Sampson County, NC $40,650$40,650 $40,650$40,650 $53,650
Scotland County, NC $40,650$40,650 $40,650$40,650 $53,650
Stanly County, NC $49,300$49,300 $49,300$49,300 $65,100
Surry County, NC $40,650$40,650 $40,650$40,650 $53,650
Swain County, NC $44,800$44,800 $44,800$44,800 $59,150
Transylvania County, NC $45,350$45,350 $45,350$45,350 $59,850
Tyrrell County, NC $40,650$40,650 $40,650$40,650 $53,650
Vance County, NC $40,650$40,650 $40,650$40,650 $53,650
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are $58,650$58,650 $58,650$58,650 $77,400
Warren County, NC $40,650$40,650 $40,650$40,650 $53,650
Washington County, NC $40,650$40,650 $40,650$40,650 $53,650
Watauga County, NC $50,900$50,900 $50,900$50,900 $67,200
Wilkes County, NC $41,050$41,050 $41,050$41,050 $54,200
Wilmington, NC HUD Metro FMR Area $52,100$52,100 $52,100$52,100 $68,750
Wilson County, NC $41,050$41,050 $41,050$41,050 $54,200
Winston-Salem, NC HUD Metro FMR Area $49,600$49,600 $49,600$49,600 $65,450
Yancey County, NC $40,650$40,650 $40,650$40,650 $53,650

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Maximum Applicant Income
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