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

Oklahoma USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adair County, OK $45,600$45,600 $45,600$45,600 $60,200
Alfalfa County, OK $53,050$53,050 $53,050$53,050 $70,050
Atoka County, OK $45,600$45,600 $45,600$45,600 $60,200
Beaver County, OK $52,400$52,400 $52,400$52,400 $69,150
Beckham County, OK $54,150$54,150 $54,150$54,150 $71,500
Blaine County, OK $46,950$46,950 $46,950$46,950 $61,950
Bryan County, OK $45,600$45,600 $45,600$45,600 $60,200
Caddo County, OK $45,600$45,600 $45,600$45,600 $60,200
Carter County, OK $50,250$50,250 $50,250$50,250 $66,350
Cherokee County, OK $45,600$45,600 $45,600$45,600 $60,200
Choctaw County, OK $45,600$45,600 $45,600$45,600 $60,200
Cimarron County, OK $47,450$47,450 $47,450$47,450 $62,650
Coal County, OK $45,600$45,600 $45,600$45,600 $60,200
Cotton County, OK HUD Metro FMR Area $49,300$49,300 $49,300$49,300 $65,100
Craig County, OK $45,600$45,600 $45,600$45,600 $60,200
Custer County, OK $47,750$47,750 $47,750$47,750 $63,050
Delaware County, OK $45,600$45,600 $45,600$45,600 $60,200
Dewey County, OK $51,500$51,500 $51,500$51,500 $68,000
Ellis County, OK $58,100$58,100 $58,100$58,100 $76,700
Enid, OK MSA $51,050$51,050 $51,050$51,050 $67,400
Fort Smith, AR-OK HUD Metro FMR Area $42,300$42,300 $42,300$42,300 $55,850
Garvin County, OK $45,600$45,600 $45,600$45,600 $60,200
Grady County, OK HUD Metro FMR Area $54,000$54,000 $54,000$54,000 $71,300
Grant County, OK $55,500$55,500 $55,500$55,500 $73,250
Greer County, OK $45,600$45,600 $45,600$45,600 $60,200
Harmon County, OK $45,600$45,600 $45,600$45,600 $60,200
Harper County, OK $55,300$55,300 $55,300$55,300 $73,000
Haskell County, OK $45,600$45,600 $45,600$45,600 $60,200
Hughes County, OK $45,600$45,600 $45,600$45,600 $60,200
Jackson County, OK $45,600$45,600 $45,600$45,600 $60,200
Jefferson County, OK $45,600$45,600 $45,600$45,600 $60,200
Johnston County, OK $45,600$45,600 $45,600$45,600 $60,200
Kay County, OK $45,600$45,600 $45,600$45,600 $60,200
Kingfisher County, OK $59,600$59,600 $59,600$59,600 $78,650
Kiowa County, OK $45,600$45,600 $45,600$45,600 $60,200
Latimer County, OK $45,600$45,600 $45,600$45,600 $60,200
Lawton, OK HUD Metro FMR Area $54,100$54,100 $54,100$54,100 $71,400
Le Flore County, OK HUD Metro FMR Area $45,600$45,600 $45,600$45,600 $60,200
Lincoln County, OK HUD Metro FMR Area $47,850$47,850 $47,850$47,850 $63,150
Love County, OK $45,600$45,600 $45,600$45,600 $60,200
Major County, OK $53,750$53,750 $53,750$53,750 $70,950
Marshall County, OK $45,600$45,600 $45,600$45,600 $60,200
Mayes County, OK $45,600$45,600 $45,600$45,600 $60,200
McCurtain County, OK $45,600$45,600 $45,600$45,600 $60,200
McIntosh County, OK $45,600$45,600 $45,600$45,600 $60,200
Murray County, OK $52,550$52,550 $52,550$52,550 $69,350
Muskogee County, OK $45,600$45,600 $45,600$45,600 $60,200
Noble County, OK $53,100$53,100 $53,100$53,100 $70,100
Nowata County, OK $45,600$45,600 $45,600$45,600 $60,200
Okfuskee County, OK $45,600$45,600 $45,600$45,600 $60,200
Oklahoma City, OK HUD Metro FMR Area $59,050$59,050 $59,050$59,050 $77,950
Okmulgee County, OK HUD Metro FMR Area $45,600$45,600 $45,600$45,600 $60,200
Ottawa County, OK $45,600$45,600 $45,600$45,600 $60,200
Pawnee County, OK HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Payne County, OK $49,850$49,850 $49,850$49,850 $65,800
Pittsburg County, OK $46,150$46,150 $46,150$46,150 $60,900
Pontotoc County, OK $48,250$48,250 $48,250$48,250 $63,700
Pottawatomie County, OK $45,600$45,600 $45,600$45,600 $60,200
Pushmataha County, OK $45,600$45,600 $45,600$45,600 $60,200
Roger Mills County, OK $54,800$54,800 $54,800$54,800 $72,350
Seminole County, OK $45,600$45,600 $45,600$45,600 $60,200
Stephens County, OK $48,250$48,250 $48,250$48,250 $63,700
Texas County, OK $48,800$48,800 $48,800$48,800 $64,400
Tillman County, OK $45,600$45,600 $45,600$45,600 $60,200
Tulsa, OK HUD Metro FMR Area $55,750$55,750 $55,750$55,750 $73,600
Washington County, OK $52,400$52,400 $52,400$52,400 $69,150
Washita County, OK $49,450$49,450 $49,450$49,450 $65,250
Woods County, OK $64,900$64,900 $64,900$64,900 $85,650
Woodward County, OK $60,950$60,950 $60,950$60,950 $80,450

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
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