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 $29,400$33,600 $37,800$42,000 $45,350
Alfalfa County, OK $33,200$37,950 $42,700$47,450 $51,250
Atoka County, OK $29,400$33,600 $37,800$42,000 $45,350
Beaver County, OK $34,800$39,750 $44,750$49,700 $53,700
Beckham County, OK $35,000$40,000 $45,000$50,000 $54,000
Blaine County, OK $30,450$34,800 $39,150$43,500 $47,000
Bryan County, OK $29,400$33,600 $37,800$42,000 $45,350
Caddo County, OK $29,400$33,600 $37,800$42,000 $45,350
Carter County, OK $30,150$34,450 $38,750$43,050 $46,500
Cherokee County, OK $29,400$33,600 $37,800$42,000 $45,350
Choctaw County, OK $29,400$33,600 $37,800$42,000 $45,350
Cimarron County, OK $29,400$33,600 $37,800$42,000 $45,350
Coal County, OK $29,400$33,600 $37,800$42,000 $45,350
Cotton County, OK HUD Metro FMR Area $32,600$37,250 $41,900$46,550 $50,250
Craig County, OK $29,700$33,900 $38,150$42,400 $45,800
Custer County, OK $32,850$37,550 $42,250$46,950 $50,700
Delaware County, OK $29,400$33,600 $37,800$42,000 $45,350
Dewey County, OK $33,250$38,000 $42,750$47,500 $51,300
Ellis County, OK $34,250$39,100 $44,000$48,900 $52,800
Fort Smith, AR-OK HUD Metro FMR Area $27,250$31,150 $35,050$38,950 $42,050
Garfield County, OK $31,000$35,450 $39,850$44,300 $47,850
Garvin County, OK $29,400$33,600 $37,800$42,000 $45,350
Grady County, OK HUD Metro FMR Area $34,050$38,900 $43,800$48,650 $52,550
Grant County, OK $33,600$38,400 $43,200$48,000 $51,850
Greer County, OK $29,400$33,600 $37,800$42,000 $45,350
Harmon County, OK $29,400$33,600 $37,800$42,000 $45,350
Harper County, OK $32,950$37,650 $42,350$47,050 $50,800
Haskell County, OK $29,400$33,600 $37,800$42,000 $45,350
Hughes County, OK $29,400$33,600 $37,800$42,000 $45,350
Jackson County, OK $30,850$35,300 $39,700$44,100 $47,650
Jefferson County, OK $29,400$33,600 $37,800$42,000 $45,350
Johnston County, OK $29,400$33,600 $37,800$42,000 $45,350
Kay County, OK $30,450$34,800 $39,150$43,500 $47,000
Kingfisher County, OK $35,950$41,100 $46,200$51,350 $55,450
Kiowa County, OK $29,400$33,600 $37,800$42,000 $45,350
Latimer County, OK $30,050$34,350 $38,650$42,950 $46,400
Lawton, OK HUD Metro FMR Area $31,700$36,250 $40,750$45,300 $48,900
Le Flore County, OK HUD Metro FMR Area $26,200$29,950 $33,700$37,450 $40,450
Lincoln County, OK HUD Metro FMR Area $31,450$35,900 $40,400$44,900 $48,500
Love County, OK $29,900$34,150 $38,450$42,700 $46,100
Major County, OK $34,250$39,150 $44,050$48,950 $52,850
Marshall County, OK $29,400$33,600 $37,800$42,000 $45,350
Mayes County, OK $30,600$34,950 $39,350$43,700 $47,200
McCurtain County, OK $29,400$33,600 $37,800$42,000 $45,350
McIntosh County, OK $29,400$33,600 $37,800$42,000 $45,350
Murray County, OK $30,650$35,000 $39,400$43,750 $47,250
Muskogee County, OK $29,400$33,600 $37,800$42,000 $45,350
Noble County, OK $31,650$36,150 $40,700$45,200 $48,800
Nowata County, OK $29,400$33,600 $37,800$42,000 $45,350
Okfuskee County, OK $29,400$33,600 $37,800$42,000 $45,350
Oklahoma City, OK HUD Metro FMR Area $36,100$41,300 $46,450$51,600 $55,750
Okmulgee County, OK HUD Metro FMR Area $29,400$33,600 $37,800$42,000 $45,350
Ottawa County, OK $29,400$33,600 $37,800$42,000 $45,350
Pawnee County, OK HUD Metro FMR Area $31,800$36,350 $40,900$45,450 $49,100
Payne County, OK $32,650$37,300 $42,000$46,650 $50,400
Pittsburg County, OK $30,050$34,300 $38,600$42,900 $46,350
Pontotoc County, OK $31,200$35,650 $40,100$44,550 $48,100
Pottawatomie County, OK $30,800$35,200 $39,600$44,000 $47,500
Pushmataha County, OK $29,400$33,600 $37,800$42,000 $45,350
Roger Mills County, OK $35,400$40,450 $45,500$50,550 $54,600
Seminole County, OK $29,400$33,600 $37,800$42,000 $45,350
Stephens County, OK $33,250$38,000 $42,750$47,500 $51,300
Texas County, OK $34,150$39,050 $43,900$48,800 $52,700
Tillman County, OK $29,400$33,600 $37,800$42,000 $45,350
Tulsa, OK HUD Metro FMR Area $34,650$39,600 $44,550$49,500 $53,450
Washington County, OK $33,800$38,600 $43,450$48,250 $52,100
Washita County, OK $34,000$38,850 $43,700$48,550 $52,450
Woods County, OK $37,400$42,750 $48,100$53,450 $57,750
Woodward County, OK $36,500$41,700 $46,950$52,150 $56,300

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
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