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

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All USDA Loan Income Limits
USDA Loan Requirements
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Direct Loans are less common in Texas 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.

Texas USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Abilene, TX MSA $32,500$37,100 $41,750$46,400 $50,100
Amarillo, TX HUD Metro FMR Area $35,500$40,550 $45,650$50,700 $54,750
Anderson County, TX $31,000$35,450 $39,850$44,300 $47,850
Andrews County, TX $35,650$40,750 $45,850$50,950 $55,050
Angelina County, TX $29,350$33,500 $37,700$41,900 $45,250
Aransas County, TX HUD Metro FMR Area $32,150$36,700 $41,300$45,900 $49,550
Atascosa County, TX HUD Metro FMR Area $30,600$34,950 $39,350$43,700 $47,200
Austin County, TX HUD Metro FMR Area $37,800$43,200 $48,600$54,000 $58,300
Austin-Round Rock, TX MSA $43,600$49,800 $56,050$62,250 $67,250
Bailey County, TX $30,500$34,900 $39,250$43,600 $47,100
Baylor County, TX $32,650$37,300 $42,000$46,650 $50,400
Beaumont-Port Arthur, TX HUD Metro FMR Area $32,700$37,350 $42,050$46,700 $50,450
Bee County, TX $29,350$33,500 $37,700$41,900 $45,250
Blanco County, TX $39,400$45,050 $50,650$56,300 $60,800
Borden County, TX $35,050$40,100 $45,100$50,100 $54,100
Bosque County, TX $32,550$37,200 $41,850$46,500 $50,200
Brazoria County, TX HUD Metro FMR Area $46,000$52,550 $59,150$65,700 $70,950
Brewster County, TX $33,400$38,150 $42,950$47,700 $51,500
Briscoe County, TX $29,500$33,700 $37,950$42,150 $45,500
Brooks County, TX $29,350$33,500 $37,700$41,900 $45,250
Brown County, TX $29,500$33,700 $37,950$42,150 $45,500
Brownsville-Harlingen, TX MSA $29,350$33,500 $37,700$41,900 $45,250
Burnet County, TX $34,550$39,500 $44,400$49,350 $53,300
Calhoun County, TX $32,400$37,050 $41,650$46,300 $50,000
Camp County, TX $29,350$33,500 $37,700$41,900 $45,250
Cass County, TX $29,350$33,500 $37,700$41,900 $45,250
Castro County, TX $29,350$33,500 $37,700$41,900 $45,250
Cherokee County, TX $29,350$33,500 $37,700$41,900 $45,250
Childress County, TX $33,450$38,200 $43,000$47,750 $51,550
Cochran County, TX $29,350$33,500 $37,700$41,900 $45,250
Coke County, TX $33,700$38,500 $43,350$48,150 $52,000
Coleman County, TX $29,350$33,500 $37,700$41,900 $45,250
College Station-Bryan, TX MSA $34,100$38,950 $43,850$48,700 $52,600
Collingsworth County, TX $29,700$33,900 $38,150$42,400 $45,800
Colorado County, TX $31,850$36,400 $40,950$45,500 $49,150
Comanche County, TX $29,350$33,500 $37,700$41,900 $45,250
Concho County, TX $35,200$40,200 $45,250$50,250 $54,250
Cooke County, TX $34,850$39,800 $44,800$49,750 $53,750
Corpus Christi, TX HUD Metro FMR Area $32,550$37,200 $41,850$46,500 $50,200
Cottle County, TX $29,350$33,500 $37,700$41,900 $45,250
Crane County, TX $34,500$39,450 $44,350$49,300 $53,250
Crockett County, TX $32,150$36,700 $41,300$45,900 $49,550
Culberson County, TX $29,350$33,500 $37,700$41,900 $45,250
Dallam County, TX $30,500$34,900 $39,250$43,600 $47,100
Dallas, TX HUD Metro FMR Area $40,150$45,900 $51,600$57,350 $61,950
Dawson County, TX $29,850$34,100 $38,400$42,650 $46,050
Deaf Smith County, TX $29,350$33,500 $37,700$41,900 $45,250
Delta County, TX $39,400$45,050 $50,650$56,300 $60,800
DeWitt County, TX $32,000$36,550 $41,150$45,700 $49,350
Dickens County, TX $30,800$35,200 $39,600$44,000 $47,500
Dimmit County, TX $29,350$33,500 $37,700$41,900 $45,250
Donley County, TX $33,300$38,100 $42,850$47,600 $51,400
Duval County, TX $29,350$33,500 $37,700$41,900 $45,250
Eastland County, TX $29,350$33,500 $37,700$41,900 $45,250
Edwards County, TX $30,800$35,200 $39,600$44,000 $47,500
El Paso, TX HUD Metro FMR Area $29,350$33,500 $37,700$41,900 $45,250
Erath County, TX $30,700$35,100 $39,450$43,850 $47,350
Falls County, TX HUD Metro FMR Area $29,350$33,500 $37,700$41,900 $45,250
Fannin County, TX $31,850$36,400 $40,950$45,500 $49,150
Fayette County, TX $35,000$40,000 $45,000$50,000 $54,000
Fisher County, TX $31,650$36,150 $40,700$45,200 $48,800
Floyd County, TX $30,800$35,200 $39,600$44,000 $47,500
Foard County, TX $29,350$33,500 $37,700$41,900 $45,250
Fort Worth-Arlington, TX HUD Metro FMR Area $39,050$44,600 $50,200$55,750 $60,200
Franklin County, TX $35,500$40,550 $45,650$50,700 $54,750
Freestone County, TX $32,700$37,350 $42,050$46,700 $50,450
Frio County, TX $29,350$33,500 $37,700$41,900 $45,250
Gaines County, TX $32,700$37,350 $42,050$46,700 $50,450
Garza County, TX $32,750$37,450 $42,100$46,800 $50,550
Gillespie County, TX $37,650$43,000 $48,400$53,750 $58,050
Glasscock County, TX $40,950$46,800 $52,650$58,500 $63,200
Gonzales County, TX $29,350$33,500 $37,700$41,900 $45,250
Gray County, TX $32,400$37,000 $41,650$46,250 $49,950
Grimes County, TX $32,400$37,050 $41,650$46,300 $50,000
Hale County, TX $29,350$33,500 $37,700$41,900 $45,250
Hall County, TX $29,350$33,500 $37,700$41,900 $45,250
Hamilton County, TX $30,500$34,900 $39,250$43,600 $47,100
Hansford County, TX $34,250$39,100 $44,000$48,900 $52,800
Hardeman County, TX $29,350$33,500 $37,700$41,900 $45,250
Harrison County, TX $31,450$35,950 $40,450$44,950 $48,550
Hartley County, TX $44,250$50,550 $56,900$63,200 $68,250
Haskell County, TX $29,450$33,700 $37,900$42,100 $45,450
Hemphill County, TX $38,650$44,150 $49,700$55,200 $59,600
Henderson County, TX $29,350$33,500 $37,700$41,900 $45,250
Hill County, TX $30,150$34,500 $38,800$43,100 $46,550
Hockley County, TX $35,000$40,000 $45,000$50,000 $54,000
Hood County, TX HUD Metro FMR Area $39,100$44,700 $50,250$55,850 $60,300
Hopkins County, TX $31,550$36,100 $40,600$45,100 $48,700
Houston County, TX $29,350$33,500 $37,700$41,900 $45,250
Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area $38,800$44,350 $49,900$55,450 $59,900
Howard County, TX $33,700$38,500 $43,350$48,150 $52,000
Hudspeth County, TX HUD Metro FMR Area $29,350$33,500 $37,700$41,900 $45,250
Hutchinson County, TX $32,250$36,900 $41,500$46,100 $49,800
Irion County, TX SEA $33,500$38,300 $43,050$47,850 $51,700
Jack County, TX $35,950$41,100 $46,200$51,350 $55,450
Jackson County, TX $35,650$40,750 $45,850$50,950 $55,050
Jasper County, TX $29,350$33,500 $37,700$41,900 $45,250
Jeff Davis County, TX $32,500$37,100 $41,750$46,400 $50,100
Jim Hogg County, TX $29,350$33,500 $37,700$41,900 $45,250
Jim Wells County, TX $29,350$33,500 $37,700$41,900 $45,250
Karnes County, TX $30,800$35,200 $39,600$44,000 $47,500
Kendall County, TX HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Kenedy County, TX $33,700$38,500 $43,350$48,150 $52,000
Kent County, TX $32,200$36,800 $41,400$46,000 $49,700
Kerr County, TX $33,400$38,150 $42,950$47,700 $51,500
Killeen-Temple, TX HUD Metro FMR Area $33,300$38,100 $42,850$47,600 $51,400
Kimble County, TX $30,500$34,900 $39,250$43,600 $47,100
King County, TX $35,100$40,100 $45,150$50,150 $54,150
Kinney County, TX $29,350$33,500 $37,700$41,900 $45,250
Kleberg County, TX $29,350$33,500 $37,700$41,900 $45,250
Knox County, TX $29,350$33,500 $37,700$41,900 $45,250
La Salle County, TX $29,350$33,500 $37,700$41,900 $45,250
Lamar County, TX $29,400$33,600 $37,800$42,000 $45,350
Lamb County, TX $29,350$33,500 $37,700$41,900 $45,250
Lampasas County, TX HUD Metro FMR Area $33,650$38,500 $43,300$48,100 $51,950
Laredo, TX MSA $29,350$33,500 $37,700$41,900 $45,250
Lavaca County, TX $31,700$36,250 $40,750$45,300 $48,900
Lee County, TX $38,150$43,600 $49,050$54,500 $58,850
Leon County, TX $32,400$37,000 $41,650$46,250 $49,950
Limestone County, TX $31,650$36,150 $40,700$45,200 $48,800
Lipscomb County, TX $37,300$42,650 $47,950$53,300 $57,550
Live Oak County, TX $30,400$34,750 $39,100$43,450 $46,950
Llano County, TX $34,650$39,600 $44,550$49,500 $53,450
Longview, TX HUD Metro FMR Area $31,850$36,400 $40,950$45,500 $49,150
Loving County, TX $44,400$50,750 $57,100$63,450 $68,550
Lubbock, TX HUD Metro FMR Area $32,950$37,700 $42,400$47,100 $50,850
Lynn County, TX HUD Metro FMR Area $29,950$34,250 $38,500$42,800 $46,200
Madison County, TX $29,350$33,500 $37,700$41,900 $45,250
Marion County, TX $29,350$33,500 $37,700$41,900 $45,250
Martin County, TX HUD Metro FMR Area $31,000$35,400 $39,850$44,250 $47,800
Mason County, TX $34,250$39,100 $44,000$48,900 $52,800
Matagorda County, TX $30,050$34,350 $38,650$42,950 $46,400
Maverick County, TX $29,350$33,500 $37,700$41,900 $45,250
McAllen-Edinburg-Mission, TX MSA $29,350$33,500 $37,700$41,900 $45,250
McCulloch County, TX $29,350$33,500 $37,700$41,900 $45,250
McMullen County, TX $31,550$36,050 $40,550$45,050 $48,650
Medina County, TX HUD Metro FMR Area $35,950$41,100 $46,200$51,350 $55,450
Menard County, TX $31,550$36,050 $40,550$45,050 $48,650
Midland, TX HUD Metro FMR Area $42,500$48,550 $54,650$60,700 $65,550
Milam County, TX $29,850$34,100 $38,400$42,650 $46,050
Mills County, TX $29,600$33,850 $38,050$42,300 $45,700
Mitchell County, TX $31,300$35,750 $40,250$44,700 $48,300
Montague County, TX $33,050$37,750 $42,500$47,200 $51,000
Moore County, TX $30,850$35,300 $39,700$44,100 $47,650
Morris County, TX $29,500$33,700 $37,950$42,150 $45,500
Motley County, TX $29,350$33,500 $37,700$41,900 $45,250
Nacogdoches County, TX $29,700$33,900 $38,150$42,400 $45,800
Navarro County, TX $29,950$34,250 $38,500$42,800 $46,200
Newton County, TX HUD Metro FMR Area $29,350$33,500 $37,700$41,900 $45,250
Nolan County, TX $29,600$33,850 $38,050$42,300 $45,700
Ochiltree County, TX $35,050$40,100 $45,100$50,100 $54,100
Odessa, TX MSA $34,150$39,050 $43,900$48,800 $52,700
Oldham County, TX HUD Metro FMR Area $35,900$41,050 $46,150$51,300 $55,400
Palo Pinto County, TX $29,750$34,000 $38,250$42,500 $45,900
Panola County, TX $34,550$39,500 $44,400$49,350 $53,300
Parmer County, TX $29,350$33,500 $37,700$41,900 $45,250
Pecos County, TX $31,250$35,700 $40,200$44,650 $48,200
Polk County, TX $29,350$33,500 $37,700$41,900 $45,250
Presidio County, TX $29,350$33,500 $37,700$41,900 $45,250
Rains County, TX $32,050$36,600 $41,200$45,750 $49,400
Reagan County, TX $35,400$40,450 $45,500$50,550 $54,600
Real County, TX $29,350$33,500 $37,700$41,900 $45,250
Red River County, TX $29,350$33,500 $37,700$41,900 $45,250
Reeves County, TX $29,350$33,500 $37,700$41,900 $45,250
Refugio County, TX $30,350$34,700 $39,000$43,350 $46,800
Roberts County, TX $44,050$50,300 $56,600$62,900 $67,950
Runnels County, TX $29,350$33,500 $37,700$41,900 $45,250
Rusk County, TX HUD Metro FMR Area $33,150$37,900 $42,600$47,350 $51,150
Sabine County, TX $29,350$33,500 $37,700$41,900 $45,250
San Angelo, TX MSA $33,500$38,300 $43,050$47,850 $51,700
San Antonio-New Braunfels, TX HUD Metro FMR Area $34,850$39,800 $44,800$49,750 $53,750
San Augustine County, TX $29,350$33,500 $37,700$41,900 $45,250
San Jacinto County, TX $38,800$44,350 $49,900$55,450 $59,900
San Saba County, TX $29,350$33,500 $37,700$41,900 $45,250
Schleicher County, TX $36,000$41,150 $46,300$51,450 $55,550
Scurry County, TX $34,000$38,850 $43,700$48,550 $52,450
Shackelford County, TX $33,450$38,200 $43,000$47,750 $51,550
Shelby County, TX $29,350$33,500 $37,700$41,900 $45,250
Sherman County, TX $33,900$38,700 $43,550$48,400 $52,250
Sherman-Denison, TX MSA $34,800$39,750 $44,750$49,700 $53,700
Somervell County, TX HUD Metro FMR Area $39,550$45,200 $50,850$56,500 $61,000
Starr County, TX $29,350$33,500 $37,700$41,900 $45,250
Stephens County, TX $29,350$33,500 $37,700$41,900 $45,250
Sterling County, TX $33,200$37,950 $42,700$47,450 $51,250
Stonewall County, TX $33,400$38,150 $42,950$47,700 $51,500
Sutton County, TX $35,000$40,000 $45,000$50,000 $54,000
Swisher County, TX $29,750$34,000 $38,250$42,500 $45,900
Terrell County, TX $29,350$33,500 $37,700$41,900 $45,250
Terry County, TX $29,350$33,500 $37,700$41,900 $45,250
Texarkana, TX-Texarkana, AR HUD Metro FMR Area $30,450$34,800 $39,150$43,500 $47,000
Throckmorton County, TX $29,350$33,500 $37,700$41,900 $45,250
Titus County, TX $29,350$33,500 $37,700$41,900 $45,250
Trinity County, TX $29,350$33,500 $37,700$41,900 $45,250
Tyler County, TX $29,350$33,500 $37,700$41,900 $45,250
Tyler, TX MSA $34,500$39,450 $44,350$49,300 $53,250
Upton County, TX $33,150$37,900 $42,600$47,350 $51,150
Uvalde County, TX $29,350$33,500 $37,700$41,900 $45,250
Val Verde County, TX $29,350$33,500 $37,700$41,900 $45,250
Van Zandt County, TX $30,600$34,950 $39,350$43,700 $47,200
Victoria, TX MSA $32,600$37,250 $41,900$46,550 $50,250
Waco, TX HUD Metro FMR Area $30,650$35,000 $39,400$43,750 $47,250
Walker County, TX $32,950$37,650 $42,350$47,050 $50,800
Ward County, TX $30,400$34,750 $39,100$43,450 $46,950
Washington County, TX $33,950$38,800 $43,650$48,500 $52,400
Wharton County, TX $31,250$35,700 $40,200$44,650 $48,200
Wheeler County, TX $35,650$40,750 $45,850$50,950 $55,050
Wichita Falls, TX MSA $32,550$37,200 $41,850$46,500 $50,200
Wilbarger County, TX $29,350$33,500 $37,700$41,900 $45,250
Willacy County, TX $29,350$33,500 $37,700$41,900 $45,250
Winkler County, TX $32,000$36,550 $41,150$45,700 $49,350
Wise County, TX HUD Metro FMR Area $39,400$45,050 $50,650$56,300 $60,800
Wood County, TX $30,400$34,750 $39,100$43,450 $46,950
Yoakum County, TX $32,750$37,450 $42,100$46,800 $50,550
Young County, TX $33,400$38,150 $42,950$47,700 $51,500
Zapata County, TX $29,350$33,500 $37,700$41,900 $45,250
Zavala County, TX $29,350$33,500 $37,700$41,900 $45,250

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