USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of South 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
USDA Loan Programs

Direct Loans are less common in South 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.

South Carolina USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Abbeville County, SC $41,850$41,850 $41,850$41,850 $55,250
Allendale County, SC $41,850$41,850 $41,850$41,850 $55,250
Anderson, SC HUD Metro FMR Area $48,250$48,250 $48,250$48,250 $63,700
Augusta-Richmond County, GA-SC HUD Metro FMR Area $50,250$50,250 $50,250$50,250 $66,350
Bamberg County, SC $41,850$41,850 $41,850$41,850 $55,250
Barnwell County, SC $46,800$46,800 $46,800$46,800 $61,800
Beaufort County, SC HUD Metro FMR Area $63,500$63,500 $63,500$63,500 $83,800
Charleston-North Charleston, SC MSA $62,300$62,300 $62,300$62,300 $82,250
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area $63,200$63,200 $63,200$63,200 $83,400
Cherokee County, SC $43,900$43,900 $43,900$43,900 $57,950
Chester County, SC HUD Metro FMR Area $41,850$41,850 $41,850$41,850 $55,250
Chesterfield County, SC $41,850$41,850 $41,850$41,850 $55,250
Clarendon County, SC $41,850$41,850 $41,850$41,850 $55,250
Colleton County, SC $41,850$41,850 $41,850$41,850 $55,250
Columbia, SC HUD Metro FMR Area $55,900$55,900 $55,900$55,900 $73,800
Darlington County, SC HUD Metro FMR Area $43,200$43,200 $43,200$43,200 $57,000
Dillon County, SC $41,850$41,850 $41,850$41,850 $55,250
Florence, SC HUD Metro FMR Area $48,550$48,550 $48,550$48,550 $64,100
Georgetown County, SC $47,500$47,500 $47,500$47,500 $62,700
Greenville-Mauldin-Easley, SC HUD Metro FMR Area $57,350$57,350 $57,350$57,350 $75,700
Greenwood County, SC $44,700$44,700 $44,700$44,700 $59,000
Hampton County, SC $41,850$41,850 $41,850$41,850 $55,250
Jasper County, SC HUD Metro FMR Area $42,700$42,700 $42,700$42,700 $56,350
Kershaw County, SC HUD Metro FMR Area $47,500$47,500 $47,500$47,500 $62,700
Lancaster County, SC HUD Metro FMR Area $49,900$49,900 $49,900$49,900 $65,850
Laurens County, SC HUD Metro FMR Area $44,400$44,400 $44,400$44,400 $58,600
Lee County, SC $41,850$41,850 $41,850$41,850 $55,250
Marion County, SC $41,850$41,850 $41,850$41,850 $55,250
Marlboro County, SC $41,850$41,850 $41,850$41,850 $55,250
McCormick County, SC $42,550$42,550 $42,550$42,550 $56,150
Myrtle Beach-North Myrtle Beach-Conway, SC HUD Metro FMR Are $48,950$48,950 $48,950$48,950 $64,600
Newberry County, SC $44,650$44,650 $44,650$44,650 $58,950
Oconee County, SC $46,650$46,650 $46,650$46,650 $61,600
Orangeburg County, SC $41,850$41,850 $41,850$41,850 $55,250
Spartanburg, SC HUD Metro FMR Area $49,700$49,700 $49,700$49,700 $65,600
Sumter, SC MSA $41,850$41,850 $41,850$41,850 $55,250
Union County, SC HUD Metro FMR Area $41,850$41,850 $41,850$41,850 $55,250
Williamsburg County, SC $41,850$41,850 $41,850$41,850 $55,250

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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Maximum Applicant Income
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