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 $42,650$42,650 $42,650$42,650 $56,300
Benton County, TN $42,000$42,000 $42,000$42,000 $55,450
Bledsoe County, TN $42,000$42,000 $42,000$42,000 $55,450
Campbell County, TN HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Carroll County, TN $42,000$42,000 $42,000$42,000 $55,450
Chattanooga, TN-GA MSA $54,250$54,250 $54,250$54,250 $71,600
Claiborne County, TN $42,000$42,000 $42,000$42,000 $55,450
Clarksville, TN-KY MSA $48,700$48,700 $48,700$48,700 $64,300
Clay County, TN $42,000$42,000 $42,000$42,000 $55,450
Cleveland, TN MSA $46,500$46,500 $46,500$46,500 $61,400
Cocke County, TN $42,000$42,000 $42,000$42,000 $55,450
Coffee County, TN $46,150$46,150 $46,150$46,150 $60,900
Crockett County, TN HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Cumberland County, TN $42,000$42,000 $42,000$42,000 $55,450
Decatur County, TN $42,000$42,000 $42,000$42,000 $55,450
DeKalb County, TN $42,000$42,000 $42,000$42,000 $55,450
Dyer County, TN $46,000$46,000 $46,000$46,000 $60,700
Fentress County, TN $42,000$42,000 $42,000$42,000 $55,450
Franklin County, TN $44,100$44,100 $44,100$44,100 $58,200
Gibson County, TN $42,000$42,000 $42,000$42,000 $55,450
Giles County, TN $43,100$43,100 $43,100$43,100 $56,900
Grainger County, TN HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Greene County, TN $44,100$44,100 $44,100$44,100 $58,200
Grundy County, TN $42,000$42,000 $42,000$42,000 $55,450
Hancock County, TN $42,000$42,000 $42,000$42,000 $55,450
Hardeman County, TN $42,000$42,000 $42,000$42,000 $55,450
Hardin County, TN $42,000$42,000 $42,000$42,000 $55,450
Haywood County, TN $42,000$42,000 $42,000$42,000 $55,450
Henderson County, TN $42,300$42,300 $42,300$42,300 $55,850
Henry County, TN $42,000$42,000 $42,000$42,000 $55,450
Hickman County, TN HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Houston County, TN $42,000$42,000 $42,000$42,000 $55,450
Humphreys County, TN $46,100$46,100 $46,100$46,100 $60,850
Jackson County, TN $42,000$42,000 $42,000$42,000 $55,450
Jackson, TN HUD Metro FMR Area $46,900$46,900 $46,900$46,900 $61,900
Johnson City, TN MSA $43,300$43,300 $43,300$43,300 $57,150
Johnson County, TN $42,000$42,000 $42,000$42,000 $55,450
Kingsport-Bristol-Bristol, TN-VA MSA $44,100$44,100 $44,100$44,100 $58,200
Knoxville, TN HUD Metro FMR Area $55,900$55,900 $55,900$55,900 $73,800
Lake County, TN $42,000$42,000 $42,000$42,000 $55,450
Lauderdale County, TN $42,000$42,000 $42,000$42,000 $55,450
Lawrence County, TN $42,000$42,000 $42,000$42,000 $55,450
Lewis County, TN $42,000$42,000 $42,000$42,000 $55,450
Lincoln County, TN $45,100$45,100 $45,100$45,100 $59,550
Macon County, TN HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Marshall County, TN $45,900$45,900 $45,900$45,900 $60,600
Maury County, TN HUD Metro FMR Area $51,750$51,750 $51,750$51,750 $68,300
McMinn County, TN $42,150$42,150 $42,150$42,150 $55,650
McNairy County, TN $42,000$42,000 $42,000$42,000 $55,450
Meigs County, TN $42,000$42,000 $42,000$42,000 $55,450
Memphis, TN-MS-AR HUD Metro FMR Area $52,700$52,700 $52,700$52,700 $69,550
Monroe County, TN $42,000$42,000 $42,000$42,000 $55,450
Moore County, TN $49,700$49,700 $49,700$49,700 $65,600
Morgan County, TN HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Morristown, TN MSA $44,700$44,700 $44,700$44,700 $59,000
Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR $64,000$64,000 $64,000$64,000 $84,500
Obion County, TN $42,000$42,000 $42,000$42,000 $55,450
Overton County, TN $42,000$42,000 $42,000$42,000 $55,450
Perry County, TN $42,000$42,000 $42,000$42,000 $55,450
Pickett County, TN $42,000$42,000 $42,000$42,000 $55,450
Putnam County, TN $44,100$44,100 $44,100$44,100 $58,200
Rhea County, TN $42,400$42,400 $42,400$42,400 $55,950
Roane County, TN HUD Metro FMR Area $48,000$48,000 $48,000$48,000 $63,350
Scott County, TN $42,000$42,000 $42,000$42,000 $55,450
Sevier County, TN $46,800$46,800 $46,800$46,800 $61,800
Smith County, TN HUD Metro FMR Area $46,300$46,300 $46,300$46,300 $61,100
Stewart County, TN $45,050$45,050 $45,050$45,050 $59,450
Van Buren County, TN $42,000$42,000 $42,000$42,000 $55,450
Warren County, TN $42,000$42,000 $42,000$42,000 $55,450
Wayne County, TN $42,000$42,000 $42,000$42,000 $55,450
Weakley County, TN $43,900$43,900 $43,900$43,900 $57,950
White County, TN $42,000$42,000 $42,000$42,000 $55,450

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Maximum Applicant Income
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