USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of North Dakota. 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 North Dakota 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 Dakota USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, ND $58,800$58,800 $58,800$58,800 $77,600
Barnes County, ND $58,800$58,800 $58,800$58,800 $77,600
Benson County, ND $58,800$58,800 $58,800$58,800 $77,600
Billings County, ND $58,800$58,800 $58,800$58,800 $77,600
Bismarck, ND HUD Metro FMR Area $65,700$65,700 $65,700$65,700 $86,700
Bottineau County, ND $58,800$58,800 $58,800$58,800 $77,600
Bowman County, ND $60,150$60,150 $60,150$60,150 $79,400
Burke County, ND $58,800$58,800 $58,800$58,800 $77,600
Cavalier County, ND $59,100$59,100 $59,100$59,100 $78,000
Dickey County, ND $58,800$58,800 $58,800$58,800 $77,600
Divide County, ND $58,800$58,800 $58,800$58,800 $77,600
Dunn County, ND $60,150$60,150 $60,150$60,150 $79,400
Eddy County, ND $58,800$58,800 $58,800$58,800 $77,600
Emmons County, ND $58,800$58,800 $58,800$58,800 $77,600
Fargo, ND-MN MSA $61,050$61,050 $61,050$61,050 $80,600
Foster County, ND $58,800$58,800 $58,800$58,800 $77,600
Golden Valley County, ND $58,800$58,800 $58,800$58,800 $77,600
Grand Forks, ND-MN MSA $59,100$59,100 $59,100$59,100 $78,000
Grant County, ND $58,800$58,800 $58,800$58,800 $77,600
Griggs County, ND $58,800$58,800 $58,800$58,800 $77,600
Hettinger County, ND $58,800$58,800 $58,800$58,800 $77,600
Kidder County, ND $58,800$58,800 $58,800$58,800 $77,600
LaMoure County, ND $58,800$58,800 $58,800$58,800 $77,600
Logan County, ND $58,800$58,800 $58,800$58,800 $77,600
McHenry County, ND $58,800$58,800 $58,800$58,800 $77,600
McIntosh County, ND $58,800$58,800 $58,800$58,800 $77,600
McKenzie County, ND $59,100$59,100 $59,100$59,100 $78,000
McLean County, ND $58,800$58,800 $58,800$58,800 $77,600
Mercer County, ND $65,700$65,700 $65,700$65,700 $86,700
Mountrail County, ND $60,150$60,150 $60,150$60,150 $79,400
Nelson County, ND $58,800$58,800 $58,800$58,800 $77,600
Oliver County, ND HUD Metro FMR Area $65,700$65,700 $65,700$65,700 $86,700
Pembina County, ND $58,800$58,800 $58,800$58,800 $77,600
Pierce County, ND $58,800$58,800 $58,800$58,800 $77,600
Ramsey County, ND $58,800$58,800 $58,800$58,800 $77,600
Ransom County, ND $58,800$58,800 $58,800$58,800 $77,600
Renville County, ND $59,100$59,100 $59,100$59,100 $78,000
Richland County, ND $59,450$59,450 $59,450$59,450 $78,450
Rolette County, ND $58,800$58,800 $58,800$58,800 $77,600
Sargent County, ND $58,800$58,800 $58,800$58,800 $77,600
Sheridan County, ND $58,800$58,800 $58,800$58,800 $77,600
Sioux County, ND HUD Metro FMR Area $58,800$58,800 $58,800$58,800 $77,600
Slope County, ND $59,600$59,600 $59,600$59,600 $78,650
Stark County, ND $61,850$61,850 $61,850$61,850 $81,650
Steele County, ND $58,800$58,800 $58,800$58,800 $77,600
Stutsman County, ND $58,800$58,800 $58,800$58,800 $77,600
Towner County, ND $58,800$58,800 $58,800$58,800 $77,600
Traill County, ND $58,800$58,800 $58,800$58,800 $77,600
Walsh County, ND $58,800$58,800 $58,800$58,800 $77,600
Ward County, ND $58,800$58,800 $58,800$58,800 $77,600
Wells County, ND $58,800$58,800 $58,800$58,800 $77,600
Williams County, ND $60,150$60,150 $60,150$60,150 $79,400

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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Maximum Applicant Income
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