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

Tennessee USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Bedford County, TN $40,900$40,900 $40,900$40,900 $54,000
Benton County, TN $37,500$37,500 $37,500$37,500 $49,500
Bledsoe County, TN $37,500$37,500 $37,500$37,500 $49,500
Campbell County, TN HUD Metro FMR Area $37,500$37,500 $37,500$37,500 $49,500
Carroll County, TN $39,300$39,300 $39,300$39,300 $51,900
Chattanooga, TN-GA MSA $48,950$48,950 $48,950$48,950 $64,600
Claiborne County, TN $37,500$37,500 $37,500$37,500 $49,500
Clarksville, TN-KY MSA $43,350$43,350 $43,350$43,350 $57,200
Clay County, TN $37,500$37,500 $37,500$37,500 $49,500
Cleveland, TN MSA $41,900$41,900 $41,900$41,900 $55,350
Cocke County, TN $37,500$37,500 $37,500$37,500 $49,500
Coffee County, TN $42,800$42,800 $42,800$42,800 $56,500
Crockett County, TN HUD Metro FMR Area $38,500$38,500 $38,500$38,500 $50,800
Cumberland County, TN $37,500$37,500 $37,500$37,500 $49,500
Decatur County, TN $41,500$41,500 $41,500$41,500 $54,800
DeKalb County, TN $38,550$38,550 $38,550$38,550 $50,900
Dyer County, TN $39,500$39,500 $39,500$39,500 $52,150
Fentress County, TN $37,500$37,500 $37,500$37,500 $49,500
Franklin County, TN $43,050$43,050 $43,050$43,050 $56,850
Gibson County, TN $40,900$40,900 $40,900$40,900 $54,000
Giles County, TN $41,900$41,900 $41,900$41,900 $55,300
Greene County, TN $38,650$38,650 $38,650$38,650 $51,000
Grundy County, TN $37,500$37,500 $37,500$37,500 $49,500
Hancock County, TN $37,500$37,500 $37,500$37,500 $49,500
Hardeman County, TN $38,550$38,550 $38,550$38,550 $50,900
Hardin County, TN $37,500$37,500 $37,500$37,500 $49,500
Haywood County, TN $37,500$37,500 $37,500$37,500 $49,500
Henderson County, TN $40,000$40,000 $40,000$40,000 $52,800
Henry County, TN $40,250$40,250 $40,250$40,250 $53,150
Hickman County, TN HUD Metro FMR Area $41,500$41,500 $41,500$41,500 $54,800
Houston County, TN $37,850$37,850 $37,850$37,850 $49,950
Humphreys County, TN $44,700$44,700 $44,700$44,700 $59,000
Jackson County, TN $37,500$37,500 $37,500$37,500 $49,500
Jackson, TN HUD Metro FMR Area $43,500$43,500 $43,500$43,500 $57,400
Johnson City, TN MSA $41,900$41,900 $41,900$41,900 $55,300
Johnson County, TN $37,500$37,500 $37,500$37,500 $49,500
Kingsport-Bristol-Bristol, TN-VA MSA $41,450$41,450 $41,450$41,450 $54,700
Knoxville, TN HUD Metro FMR Area $49,750$49,750 $49,750$49,750 $65,650
Lake County, TN $37,500$37,500 $37,500$37,500 $49,500
Lauderdale County, TN $37,500$37,500 $37,500$37,500 $49,500
Lawrence County, TN $39,100$39,100 $39,100$39,100 $51,600
Lewis County, TN $38,650$38,650 $38,650$38,650 $51,000
Lincoln County, TN $45,100$45,100 $45,100$45,100 $59,550
Macon County, TN HUD Metro FMR Area $37,700$37,700 $37,700$37,700 $49,750
Marshall County, TN $45,900$45,900 $45,900$45,900 $60,600
Maury County, TN HUD Metro FMR Area $49,300$49,300 $49,300$49,300 $65,100
McMinn County, TN $40,550$40,550 $40,550$40,550 $53,550
McNairy County, TN $37,500$37,500 $37,500$37,500 $49,500
Meigs County, TN $39,200$39,200 $39,200$39,200 $51,750
Memphis, TN-MS-AR HUD Metro FMR Area $48,100$48,100 $48,100$48,100 $63,500
Monroe County, TN $38,250$38,250 $38,250$38,250 $50,500
Moore County, TN $49,700$49,700 $49,700$49,700 $65,600
Morgan County, TN HUD Metro FMR Area $39,500$39,500 $39,500$39,500 $52,150
Morristown, TN HUD Metro FMR Area $39,500$39,500 $39,500$39,500 $52,150
Morristown, TN MSA $39,700$39,700 $39,700$39,700 $52,400
Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR $54,800$54,800 $54,800$54,800 $72,350
Obion County, TN $41,100$41,100 $41,100$41,100 $54,250
Overton County, TN $37,500$37,500 $37,500$37,500 $49,500
Perry County, TN $37,500$37,500 $37,500$37,500 $49,500
Pickett County, TN $39,100$39,100 $39,100$39,100 $51,600
Putnam County, TN $40,300$40,300 $40,300$40,300 $53,200
Rhea County, TN $38,250$38,250 $38,250$38,250 $50,500
Roane County, TN HUD Metro FMR Area $44,700$44,700 $44,700$44,700 $59,000
Scott County, TN $37,500$37,500 $37,500$37,500 $49,500
Sevier County, TN $42,700$42,700 $42,700$42,700 $56,350
Smith County, TN HUD Metro FMR Area $45,450$45,450 $45,450$45,450 $60,000
Stewart County, TN $42,500$42,500 $42,500$42,500 $56,100
Van Buren County, TN $37,500$37,500 $37,500$37,500 $49,500
Warren County, TN $37,500$37,500 $37,500$37,500 $49,500
Wayne County, TN $39,200$39,200 $39,200$39,200 $51,750
Weakley County, TN $41,600$41,600 $41,600$41,600 $54,900
White County, TN $37,500$37,500 $37,500$37,500 $49,500

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
Alabama USDA Direct Loan Limits

Alaska USDA Direct Loan Limits
Arizona USDA Direct Loan Limits
Arkansas USDA Direct Loan Limits
California USDA Direct Loan Limits
Colorado USDA Direct Loan Limits
Connecticut USDA Direct Loan Limits
Delaware USDA Direct Loan Limits
Florida USDA Direct Loan Limits
Georgia USDA Direct Loan Limits
Hawaii USDA Direct Loan Limits
Illinois USDA Direct Loan Limits
Idaho USDA Direct Loan Limits
Indiana USDA Direct Loan Limits
Iowa USDA Direct Loan Limits
Kansas USDA Direct Loan Limits
Kentucky USDA Direct Loan Limits
Louisiana USDA Direct Loan Limits
Maine USDA Direct Loan Limits
Maryland USDA Direct Loan Limits
Massachusetts USDA Direct Loan Limits
Michigan USDA Direct Loan Limits
Minnesota USDA Direct Loan Limits
Mississippi USDA Direct Loan Limits
Missouri USDA Direct Loan Limits
Montana USDA Direct Loan Limits
Nebraska USDA Direct Loan Limits
Nevada USDA Direct Loan Limits
New Hampshire USDA Direct Loan Limits
New Jersey USDA Direct Loan Limits
New Mexico USDA Direct Loan Limits
New York USDA Direct Loan Limits
North Carolina USDA Direct Loan Limits
North Dakota USDA Direct Loan Limits
Ohio USDA Direct Loan Limits
Oklahoma USDA Direct Loan Limits
Oregon USDA Direct Loan Limits
Pennsylvania USDA Direct Loan Limits
Rhode Island USDA Direct Loan Limits
South Carolina USDA Direct Loan Limits
South Dakota USDA Direct Loan Limits
Tennessee USDA Direct Loan Limits
Texas USDA Direct Loan Limits
Utah USDA Direct Loan Limits
Vermont USDA Direct Loan Limits
Virginia USDA Direct Loan Limits
Washington USDA Direct Loan Limits
West Virginia USDA Direct Loan Limits
Wisconsin USDA Direct Loan Limits
Wyoming USDA Direct Loan Limits
Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
Arizona USDA Direct Income Limits
Arkansas USDA Direct Income Limits
California USDA Direct Income Limits
Colorado USDA Direct Income Limits
Connecticut USDA Direct Income Limits
Delaware USDA Direct Income Limits
Florida USDA Direct Income Limits
Georgia USDA Direct Income Limits
Hawaii USDA Direct Income Limits
Illinois USDA Direct Income Limits
Idaho USDA Direct Income Limits
Indiana USDA Direct Income Limits
Iowa USDA Direct Income Limits
Kansas USDA Direct Income Limits
Kentucky USDA Direct Income Limits
Louisiana USDA Direct Income Limits
Maine USDA Direct Income Limits
Maryland USDA Direct Income Limits
Massachusetts Direct Income Limits
Michigan USDA Direct Income Limits
Minnesota USDA Direct Income Limits
Mississippi USDA Direct Income Limits
Missouri USDA Direct Income Limits
Montana USDA Direct Income Limits
Nebraska USDA Direct Income Limits
Nevada USDA Direct Income Limits
New Hampshire Direct Income Limits
New Jersey USDA Direct Income Limits
New Mexico USDA Direct Income Limits
New York USDA Direct Income Limits
North Carolina Direct Income Limits
North Dakota USDA Direct Income Limits
Ohio USDA Direct Income Limits
Oklahoma USDA Direct Income Limits
Oregon USDA Direct Income Limits
Pennsylvania USDA Direct Income Limits
Rhode Island USDA Direct Income Limits
South Carolina Direct Income Limits
South Dakota USDA Direct Income Limits
Tennessee USDA Direct Income Limits
Texas USDA Direct Income Limits
Utah USDA Direct Income Limits
Vermont USDA Direct Income Limits
Virginia USDA Direct Income Limits
Washington USDA Direct Income Limits
West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Get Your Rate Quote
Refinance     Purchase

As seen in: