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

Ohio USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, OH $52,300$52,300 $52,300$52,300 $69,050
Akron, OH MSA $58,550$58,550 $58,550$58,550 $77,300
Ashland County, OH $52,300$52,300 $52,300$52,300 $69,050
Ashtabula County, OH $52,300$52,300 $52,300$52,300 $69,050
Athens County, OH $52,300$52,300 $52,300$52,300 $69,050
Auglaize County, OH $58,550$58,550 $58,550$58,550 $77,300
Brown County, OH HUD Metro FMR Area $52,300$52,300 $52,300$52,300 $69,050
Canton-Massillon, OH MSA $52,900$52,900 $52,900$52,900 $69,850
Champaign County, OH $54,000$54,000 $54,000$54,000 $71,300
Cincinnati, OH-KY-IN HUD Metro FMR Area $65,050$65,050 $65,050$65,050 $85,850
Cleveland-Elyria, OH MSA $58,950$58,950 $58,950$58,950 $77,800
Clinton County, OH $52,300$52,300 $52,300$52,300 $69,050
Columbiana County, OH $52,300$52,300 $52,300$52,300 $69,050
Columbus, OH HUD Metro FMR Area $62,400$62,400 $62,400$62,400 $82,350
Coshocton County, OH $52,300$52,300 $52,300$52,300 $69,050
Crawford County, OH $52,300$52,300 $52,300$52,300 $69,050
Darke County, OH $52,300$52,300 $52,300$52,300 $69,050
Dayton, OH MSA $56,500$56,500 $56,500$56,500 $74,600
Defiance County, OH $52,300$52,300 $52,300$52,300 $69,050
Erie County, OH $55,050$55,050 $55,050$55,050 $72,650
Fayette County, OH $52,300$52,300 $52,300$52,300 $69,050
Gallia County, OH $52,300$52,300 $52,300$52,300 $69,050
Guernsey County, OH $52,300$52,300 $52,300$52,300 $69,050
Hancock County, OH $59,200$59,200 $59,200$59,200 $78,150
Hardin County, OH $52,300$52,300 $52,300$52,300 $69,050
Harrison County, OH $52,300$52,300 $52,300$52,300 $69,050
Henry County, OH $56,250$56,250 $56,250$56,250 $74,250
Highland County, OH $52,300$52,300 $52,300$52,300 $69,050
Hocking County, OH HUD Metro FMR Area $52,300$52,300 $52,300$52,300 $69,050
Holmes County, OH $52,500$52,500 $52,500$52,500 $69,300
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area $45,100$45,100 $45,100$45,100 $59,550
Huron County, OH $52,300$52,300 $52,300$52,300 $69,050
Jackson County, OH $52,300$52,300 $52,300$52,300 $69,050
Knox County, OH $52,300$52,300 $52,300$52,300 $69,050
Lima, OH MSA $52,300$52,300 $52,300$52,300 $69,050
Logan County, OH $52,550$52,550 $52,550$52,550 $69,350
Mansfield, OH MSA $52,300$52,300 $52,300$52,300 $69,050
Marion County, OH $52,300$52,300 $52,300$52,300 $69,050
Meigs County, OH $52,300$52,300 $52,300$52,300 $69,050
Mercer County, OH $58,500$58,500 $58,500$58,500 $77,200
Monroe County, OH $52,300$52,300 $52,300$52,300 $69,050
Morgan County, OH $52,300$52,300 $52,300$52,300 $69,050
Muskingum County, OH $52,300$52,300 $52,300$52,300 $69,050
Noble County, OH $52,300$52,300 $52,300$52,300 $69,050
Ottawa County, OH $56,700$56,700 $56,700$56,700 $74,850
Paulding County, OH $52,300$52,300 $52,300$52,300 $69,050
Perry County, OH HUD Metro FMR Area $52,300$52,300 $52,300$52,300 $69,050
Pike County, OH $52,300$52,300 $52,300$52,300 $69,050
Preble County, OH $52,300$52,300 $52,300$52,300 $69,050
Putnam County, OH $60,800$60,800 $60,800$60,800 $80,250
Ross County, OH $52,700$52,700 $52,700$52,700 $69,550
Sandusky County, OH $52,300$52,300 $52,300$52,300 $69,050
Scioto County, OH $52,300$52,300 $52,300$52,300 $69,050
Seneca County, OH $52,300$52,300 $52,300$52,300 $69,050
Shelby County, OH $57,450$57,450 $57,450$57,450 $75,850
Springfield, OH MSA $52,300$52,300 $52,300$52,300 $69,050
Toledo, OH MSA $55,100$55,100 $55,100$55,100 $72,750
Tuscarawas County, OH $52,300$52,300 $52,300$52,300 $69,050
Union County, OH HUD Metro FMR Area $69,750$69,750 $69,750$69,750 $92,050
Van Wert County, OH $52,300$52,300 $52,300$52,300 $69,050
Vinton County, OH $52,300$52,300 $52,300$52,300 $69,050
Washington County, OH $52,300$52,300 $52,300$52,300 $69,050
Wayne County, OH $54,900$54,900 $54,900$54,900 $72,450
Weirton-Steubenville, WV-OH MSA $52,300$52,300 $52,300$52,300 $69,050
Wheeling, WV-OH MSA $52,150$52,150 $52,150$52,150 $68,850
Williams County, OH $52,300$52,300 $52,300$52,300 $69,050
Wyandot County, OH $52,550$52,550 $52,550$52,550 $69,350
Youngstown-Warren-Boardman, OH HUD Metro FMR Area $52,300$52,300 $52,300$52,300 $69,050

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
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