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

Utah USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Beaver County, UT $51,300$51,300 $51,300$51,300 $67,700
Box Elder County, UT HUD Metro FMR Area $52,100$52,100 $52,100$52,100 $68,750
Carbon County, UT $51,300$51,300 $51,300$51,300 $67,700
Daggett County, UT $52,800$52,800 $52,800$52,800 $69,700
Duchesne County, UT $52,250$52,250 $52,250$52,250 $68,950
Emery County, UT $51,300$51,300 $51,300$51,300 $67,700
Garfield County, UT $51,300$51,300 $51,300$51,300 $67,700
Grand County, UT $51,350$51,350 $51,350$51,350 $67,800
Iron County, UT $51,300$51,300 $51,300$51,300 $67,700
Kane County, UT $51,300$51,300 $51,300$51,300 $67,700
Logan, UT-ID MSA $51,300$51,300 $51,300$51,300 $67,700
Millard County, UT $51,300$51,300 $51,300$51,300 $67,700
Ogden-Clearfield, UT HUD Metro FMR Area $58,800$58,800 $58,800$58,800 $77,600
Piute County, UT $51,300$51,300 $51,300$51,300 $67,700
Provo-Orem, UT MSA $54,100$54,100 $54,100$54,100 $71,400
Rich County, UT $53,100$53,100 $53,100$53,100 $70,100
Salt Lake City, UT HUD Metro FMR Area $59,050$59,050 $59,050$59,050 $77,950
San Juan County, UT $51,300$51,300 $51,300$51,300 $67,700
Sanpete County, UT $51,300$51,300 $51,300$51,300 $67,700
Sevier County, UT $51,300$51,300 $51,300$51,300 $67,700
St. George, UT MSA $51,300$51,300 $51,300$51,300 $67,700
Summit County, UT $65,800$65,800 $65,800$65,800 $86,850
Tooele County, UT HUD Metro FMR Area $57,600$57,600 $57,600$57,600 $76,050
Uintah County, UT $55,500$55,500 $55,500$55,500 $73,250
Wasatch County, UT $59,350$59,350 $59,350$59,350 $78,350
Wayne County, UT $51,300$51,300 $51,300$51,300 $67,700

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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Maximum Applicant Income
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