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)

All USDA Loan Limits
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 $50,300$50,300 $50,300$50,300 $66,400
Amarillo, TX HUD Metro FMR Area $57,300$57,300 $57,300$57,300 $75,650
Anderson County, TX $46,950$46,950 $46,950$46,950 $61,950
Andrews County, TX $66,800$66,800 $66,800$66,800 $88,200
Angelina County, TX $46,950$46,950 $46,950$46,950 $61,950
Aransas County, TX HUD Metro FMR Area $47,700$47,700 $47,700$47,700 $62,950
Atascosa County, TX HUD Metro FMR Area $49,700$49,700 $49,700$49,700 $65,600
Austin County, TX HUD Metro FMR Area $60,650$60,650 $60,650$60,650 $80,050
Austin-Round Rock, TX MSA $75,500$75,500 $75,500$75,500 $99,650
Bailey County, TX $46,950$46,950 $46,950$46,950 $61,950
Baylor County, TX $49,350$49,350 $49,350$49,350 $65,150
Beaumont-Port Arthur, TX HUD Metro FMR Area $52,150$52,150 $52,150$52,150 $68,850
Bee County, TX $46,950$46,950 $46,950$46,950 $61,950
Blanco County, TX $60,250$60,250 $60,250$60,250 $79,550
Borden County, TX $65,500$65,500 $65,500$65,500 $86,450
Bosque County, TX $46,950$46,950 $46,950$46,950 $61,950
Brazoria County, TX HUD Metro FMR Area $75,350$75,350 $75,350$75,350 $99,450
Brewster County, TX $47,700$47,700 $47,700$47,700 $62,950
Briscoe County, TX $46,950$46,950 $46,950$46,950 $61,950
Brooks County, TX $46,950$46,950 $46,950$46,950 $61,950
Brown County, TX $46,950$46,950 $46,950$46,950 $61,950
Brownsville-Harlingen, TX MSA $46,950$46,950 $46,950$46,950 $61,950
Burnet County, TX $53,450$53,450 $53,450$53,450 $70,550
Calhoun County, TX $54,500$54,500 $54,500$54,500 $71,950
Camp County, TX $46,950$46,950 $46,950$46,950 $61,950
Cass County, TX $46,950$46,950 $46,950$46,950 $61,950
Castro County, TX $46,950$46,950 $46,950$46,950 $61,950
Cherokee County, TX $46,950$46,950 $46,950$46,950 $61,950
Childress County, TX $48,100$48,100 $48,100$48,100 $63,500
Cochran County, TX $46,950$46,950 $46,950$46,950 $61,950
Coke County, TX $51,700$51,700 $51,700$51,700 $68,250
Coleman County, TX $46,950$46,950 $46,950$46,950 $61,950
College Station-Bryan, TX MSA $54,800$54,800 $54,800$54,800 $72,350
Collingsworth County, TX $46,950$46,950 $46,950$46,950 $61,950
Colorado County, TX $48,300$48,300 $48,300$48,300 $63,750
Comanche County, TX $46,950$46,950 $46,950$46,950 $61,950
Concho County, TX $53,700$53,700 $53,700$53,700 $70,900
Cooke County, TX $57,100$57,100 $57,100$57,100 $75,350
Corpus Christi, TX HUD Metro FMR Area $53,050$53,050 $53,050$53,050 $70,050
Cottle County, TX $46,950$46,950 $46,950$46,950 $61,950
Crane County, TX $63,900$63,900 $63,900$63,900 $84,350
Crockett County, TX $53,050$53,050 $53,050$53,050 $70,050
Culberson County, TX $46,950$46,950 $46,950$46,950 $61,950
Dallam County, TX $46,950$46,950 $46,950$46,950 $61,950
Dallas, TX HUD Metro FMR Area $66,500$66,500 $66,500$66,500 $87,800
Dawson County, TX $46,950$46,950 $46,950$46,950 $61,950
Deaf Smith County, TX $46,950$46,950 $46,950$46,950 $61,950
Delta County, TX $56,300$56,300 $56,300$56,300 $74,300
DeWitt County, TX $55,050$55,050 $55,050$55,050 $72,650
Dickens County, TX $46,950$46,950 $46,950$46,950 $61,950
Dimmit County, TX $46,950$46,950 $46,950$46,950 $61,950
Donley County, TX $47,600$47,600 $47,600$47,600 $62,850
Duval County, TX $46,950$46,950 $46,950$46,950 $61,950
Eastland County, TX $46,950$46,950 $46,950$46,950 $61,950
Edwards County, TX $50,550$50,550 $50,550$50,550 $66,750
El Paso, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Erath County, TX $46,950$46,950 $46,950$46,950 $61,950
Falls County, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Fannin County, TX $47,700$47,700 $47,700$47,700 $62,950
Fayette County, TX $55,050$55,050 $55,050$55,050 $72,650
Fisher County, TX $47,750$47,750 $47,750$47,750 $63,050
Floyd County, TX $46,950$46,950 $46,950$46,950 $61,950
Foard County, TX $46,950$46,950 $46,950$46,950 $61,950
Fort Worth-Arlington, TX HUD Metro FMR Area $60,800$60,800 $60,800$60,800 $80,250
Franklin County, TX $51,450$51,450 $51,450$51,450 $67,900
Freestone County, TX $46,950$46,950 $46,950$46,950 $61,950
Frio County, TX $46,950$46,950 $46,950$46,950 $61,950
Gaines County, TX $52,950$52,950 $52,950$52,950 $69,900
Garza County, TX $46,950$46,950 $46,950$46,950 $61,950
Gillespie County, TX $58,500$58,500 $58,500$58,500 $77,200
Glasscock County, TX $75,500$75,500 $75,500$75,500 $99,650
Gonzales County, TX $47,700$47,700 $47,700$47,700 $62,950
Gray County, TX $48,500$48,500 $48,500$48,500 $64,000
Grimes County, TX $49,600$49,600 $49,600$49,600 $65,450
Hale County, TX $46,950$46,950 $46,950$46,950 $61,950
Hall County, TX $46,950$46,950 $46,950$46,950 $61,950
Hamilton County, TX $48,500$48,500 $48,500$48,500 $64,000
Hansford County, TX $48,900$48,900 $48,900$48,900 $64,550
Hardeman County, TX $46,950$46,950 $46,950$46,950 $61,950
Harrison County, TX $46,950$46,950 $46,950$46,950 $61,950
Hartley County, TX $63,200$63,200 $63,200$63,200 $83,400
Haskell County, TX $46,950$46,950 $46,950$46,950 $61,950
Hemphill County, TX $58,900$58,900 $58,900$58,900 $77,750
Henderson County, TX $47,700$47,700 $47,700$47,700 $62,950
Hill County, TX $46,950$46,950 $46,950$46,950 $61,950
Hockley County, TX $51,600$51,600 $51,600$51,600 $68,100
Hood County, TX HUD Metro FMR Area $58,250$58,250 $58,250$58,250 $76,900
Hopkins County, TX $46,950$46,950 $46,950$46,950 $61,950
Houston County, TX $46,950$46,950 $46,950$46,950 $61,950
Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area $61,050$61,050 $61,050$61,050 $80,600
Howard County, TX $53,850$53,850 $53,850$53,850 $71,100
Hudspeth County, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Hutchinson County, TX $50,650$50,650 $50,650$50,650 $66,850
Irion County, TX SEA $51,900$51,900 $51,900$51,900 $68,500
Jack County, TX $51,600$51,600 $51,600$51,600 $68,100
Jackson County, TX $58,650$58,650 $58,650$58,650 $77,400
Jasper County, TX $51,200$51,200 $51,200$51,200 $67,600
Jeff Davis County, TX $54,800$54,800 $54,800$54,800 $72,350
Jim Hogg County, TX $46,950$46,950 $46,950$46,950 $61,950
Jim Wells County, TX $46,950$46,950 $46,950$46,950 $61,950
Karnes County, TX $49,600$49,600 $49,600$49,600 $65,450
Kendall County, TX HUD Metro FMR Area $74,950$74,950 $74,950$74,950 $98,950
Kenedy County, TX $48,150$48,150 $48,150$48,150 $63,550
Kent County, TX $54,150$54,150 $54,150$54,150 $71,500
Kerr County, TX $47,700$47,700 $47,700$47,700 $62,950
Killeen-Temple, TX HUD Metro FMR Area $51,100$51,100 $51,100$51,100 $67,450
Kimble County, TX $46,950$46,950 $46,950$46,950 $61,950
King County, TX $65,600$65,600 $65,600$65,600 $86,600
Kinney County, TX $46,950$46,950 $46,950$46,950 $61,950
Kleberg County, TX $46,950$46,950 $46,950$46,950 $61,950
Knox County, TX $46,950$46,950 $46,950$46,950 $61,950
La Salle County, TX $46,950$46,950 $46,950$46,950 $61,950
Lamar County, TX $46,950$46,950 $46,950$46,950 $61,950
Lamb County, TX $46,950$46,950 $46,950$46,950 $61,950
Lampasas County, TX HUD Metro FMR Area $51,750$51,750 $51,750$51,750 $68,300
Laredo, TX MSA $46,950$46,950 $46,950$46,950 $61,950
Lavaca County, TX $48,000$48,000 $48,000$48,000 $63,350
Lee County, TX $56,500$56,500 $56,500$56,500 $74,600
Leon County, TX $50,700$50,700 $50,700$50,700 $66,900
Limestone County, TX $46,950$46,950 $46,950$46,950 $61,950
Lipscomb County, TX $63,450$63,450 $63,450$63,450 $83,750
Live Oak County, TX $47,300$47,300 $47,300$47,300 $62,450
Llano County, TX $51,500$51,500 $51,500$51,500 $68,000
Longview, TX HUD Metro FMR Area $48,250$48,250 $48,250$48,250 $63,700
Loving County, TX $65,350$65,350 $65,350$65,350 $86,250
Lubbock, TX HUD Metro FMR Area $50,550$50,550 $50,550$50,550 $66,750
Lynn County, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Madison County, TX $46,950$46,950 $46,950$46,950 $61,950
Marion County, TX $46,950$46,950 $46,950$46,950 $61,950
Martin County, TX HUD Metro FMR Area $55,050$55,050 $55,050$55,050 $72,650
Mason County, TX $49,450$49,450 $49,450$49,450 $65,250
Matagorda County, TX $46,950$46,950 $46,950$46,950 $61,950
Maverick County, TX $46,950$46,950 $46,950$46,950 $61,950
McAllen-Edinburg-Mission, TX MSA $46,950$46,950 $46,950$46,950 $61,950
McCulloch County, TX $46,950$46,950 $46,950$46,950 $61,950
McMullen County, TX $50,900$50,900 $50,900$50,900 $67,200
Medina County, TX HUD Metro FMR Area $57,750$57,750 $57,750$57,750 $76,250
Menard County, TX $46,950$46,950 $46,950$46,950 $61,950
Midland, TX HUD Metro FMR Area $72,400$72,400 $72,400$72,400 $95,550
Milam County, TX $48,150$48,150 $48,150$48,150 $63,550
Mills County, TX $47,750$47,750 $47,750$47,750 $63,050
Mitchell County, TX $53,100$53,100 $53,100$53,100 $70,100
Montague County, TX $47,200$47,200 $47,200$47,200 $62,300
Moore County, TX $46,950$46,950 $46,950$46,950 $61,950
Morris County, TX $46,950$46,950 $46,950$46,950 $61,950
Motley County, TX $46,950$46,950 $46,950$46,950 $61,950
Nacogdoches County, TX $46,950$46,950 $46,950$46,950 $61,950
Navarro County, TX $46,950$46,950 $46,950$46,950 $61,950
Newton County, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Nolan County, TX $46,950$46,950 $46,950$46,950 $61,950
Ochiltree County, TX $50,900$50,900 $50,900$50,900 $67,200
Odessa, TX MSA $59,100$59,100 $59,100$59,100 $78,000
Oldham County, TX HUD Metro FMR Area $56,100$56,100 $56,100$56,100 $74,050
Palo Pinto County, TX $46,950$46,950 $46,950$46,950 $61,950
Panola County, TX $51,450$51,450 $51,450$51,450 $67,900
Parmer County, TX $46,950$46,950 $46,950$46,950 $61,950
Pecos County, TX $58,500$58,500 $58,500$58,500 $77,200
Polk County, TX $46,950$46,950 $46,950$46,950 $61,950
Presidio County, TX $46,950$46,950 $46,950$46,950 $61,950
Rains County, TX $50,700$50,700 $50,700$50,700 $66,900
Reagan County, TX $61,450$61,450 $61,450$61,450 $81,100
Real County, TX $46,950$46,950 $46,950$46,950 $61,950
Red River County, TX $46,950$46,950 $46,950$46,950 $61,950
Reeves County, TX $48,650$48,650 $48,650$48,650 $64,200
Refugio County, TX $48,500$48,500 $48,500$48,500 $64,000
Roberts County, TX $72,900$72,900 $72,900$72,900 $96,250
Runnels County, TX $46,950$46,950 $46,950$46,950 $61,950
Rusk County, TX HUD Metro FMR Area $47,350$47,350 $47,350$47,350 $62,500
Sabine County, TX $46,950$46,950 $46,950$46,950 $61,950
San Angelo, TX MSA $51,900$51,900 $51,900$51,900 $68,500
San Antonio-New Braunfels, TX HUD Metro FMR Area $56,800$56,800 $56,800$56,800 $75,000
San Augustine County, TX $46,950$46,950 $46,950$46,950 $61,950
San Jacinto County, TX $55,450$55,450 $55,450$55,450 $73,200
San Saba County, TX $46,950$46,950 $46,950$46,950 $61,950
Schleicher County, TX $59,350$59,350 $59,350$59,350 $78,350
Scurry County, TX $56,800$56,800 $56,800$56,800 $75,000
Shackelford County, TX $49,900$49,900 $49,900$49,900 $65,850
Shelby County, TX $46,950$46,950 $46,950$46,950 $61,950
Sherman County, TX $52,950$52,950 $52,950$52,950 $69,900
Sherman-Denison, TX MSA $54,000$54,000 $54,000$54,000 $71,300
Somervell County, TX HUD Metro FMR Area $56,500$56,500 $56,500$56,500 $74,600
Starr County, TX $46,950$46,950 $46,950$46,950 $61,950
Stephens County, TX $46,950$46,950 $46,950$46,950 $61,950
Sterling County, TX $53,600$53,600 $53,600$53,600 $70,750
Stonewall County, TX $53,100$53,100 $53,100$53,100 $70,100
Sutton County, TX $50,000$50,000 $50,000$50,000 $66,000
Swisher County, TX $46,950$46,950 $46,950$46,950 $61,950
Terrell County, TX $46,950$46,950 $46,950$46,950 $61,950
Terry County, TX $46,950$46,950 $46,950$46,950 $61,950
Texarkana, TX-Texarkana, AR HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Throckmorton County, TX $49,700$49,700 $49,700$49,700 $65,600
Titus County, TX $46,950$46,950 $46,950$46,950 $61,950
Trinity County, TX $46,950$46,950 $46,950$46,950 $61,950
Tyler County, TX $49,700$49,700 $49,700$49,700 $65,600
Tyler, TX MSA $56,300$56,300 $56,300$56,300 $74,300
Upton County, TX $53,450$53,450 $53,450$53,450 $70,550
Uvalde County, TX $46,950$46,950 $46,950$46,950 $61,950
Val Verde County, TX $46,950$46,950 $46,950$46,950 $61,950
Van Zandt County, TX $48,400$48,400 $48,400$48,400 $63,900
Victoria, TX MSA $55,450$55,450 $55,450$55,450 $73,200
Waco, TX HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
Walker County, TX $54,500$54,500 $54,500$54,500 $71,950
Ward County, TX $55,350$55,350 $55,350$55,350 $73,050
Washington County, TX $53,900$53,900 $53,900$53,900 $71,150
Wharton County, TX $46,950$46,950 $46,950$46,950 $61,950
Wheeler County, TX $51,700$51,700 $51,700$51,700 $68,250
Wichita Falls, TX MSA $50,300$50,300 $50,300$50,300 $66,400
Wilbarger County, TX $46,950$46,950 $46,950$46,950 $61,950
Willacy County, TX $46,950$46,950 $46,950$46,950 $61,950
Winkler County, TX $51,500$51,500 $51,500$51,500 $68,000
Wise County, TX HUD Metro FMR Area $56,300$56,300 $56,300$56,300 $74,300
Wood County, TX $47,300$47,300 $47,300$47,300 $62,450
Yoakum County, TX $56,100$56,100 $56,100$56,100 $74,050
Young County, TX $49,850$49,850 $49,850$49,850 $65,800
Zapata County, TX $46,950$46,950 $46,950$46,950 $61,950
Zavala County, TX $46,950$46,950 $46,950$46,950 $61,950

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