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

Virginia USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Accomack County, VA $45,900$45,900 $45,900$45,900 $60,600
Alleghany County-Clifton Forge city-Covington city, VA HUD N $47,700$47,700 $47,700$47,700 $62,950
Bath County, VA $50,150$50,150 $50,150$50,150 $66,200
Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area $61,350$61,350 $61,350$61,350 $81,000
Bland County, VA $51,450$51,450 $51,450$51,450 $67,900
Brunswick County, VA $45,900$45,900 $45,900$45,900 $60,600
Buchanan County, VA $45,900$45,900 $45,900$45,900 $60,600
Buckingham County, VA HUD Metro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Carroll County-Galax city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Charlotte County, VA $45,900$45,900 $45,900$45,900 $60,600
Charlottesville, VA HUD Metro FMR Area $71,500$71,500 $71,500$71,500 $94,400
Culpeper County, VA HUD Metro FMR Area $65,750$65,750 $65,750$65,750 $86,800
Cumberland County, VA $60,500$60,500 $60,500$60,500 $79,850
Dickenson County, VA $45,900$45,900 $45,900$45,900 $60,600
Essex County, VA $47,700$47,700 $47,700$47,700 $62,950
Floyd County, VA HUD Metro FMR Area $48,500$48,500 $48,500$48,500 $64,000
Franklin County, VA HUD Metro FMR Area $51,050$51,050 $51,050$51,050 $67,400
Giles County, VA HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Grayson County, VA $45,900$45,900 $45,900$45,900 $60,600
Greensville County-Emporia city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Halifax County, VA $45,900$45,900 $45,900$45,900 $60,600
Harrisonburg, VA MSA $54,950$54,950 $54,950$54,950 $72,550
Henry County-Martinsville city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Highland County, VA $49,050$49,050 $49,050$49,050 $64,750
King and Queen County, VA $60,500$60,500 $60,500$60,500 $79,850
King George County, VA $75,500$75,500 $75,500$75,500 $99,650
Kingsport-Bristol-Bristol, TN-VA MSA $44,100$44,100 $44,100$44,100 $58,200
Lancaster County, VA $55,900$55,900 $55,900$55,900 $73,800
Lee County, VA $45,900$45,900 $45,900$45,900 $60,600
Louisa County, VA $57,450$57,450 $57,450$57,450 $75,850
Lunenburg County, VA $45,900$45,900 $45,900$45,900 $60,600
Lynchburg, VA MSA $55,100$55,100 $55,100$55,100 $72,750
Madison County, VA $55,500$55,500 $55,500$55,500 $73,250
Mecklenburg County, VA $45,900$45,900 $45,900$45,900 $60,600
Middlesex County, VA $59,200$59,200 $59,200$59,200 $78,150
Northampton County, VA $45,900$45,900 $45,900$45,900 $60,600
Northumberland County, VA $54,550$54,550 $54,550$54,550 $72,000
Nottoway County, VA $46,800$46,800 $46,800$46,800 $61,800
Orange County, VA $64,150$64,150 $64,150$64,150 $84,700
Page County, VA $45,900$45,900 $45,900$45,900 $60,600
Patrick County, VA $45,900$45,900 $45,900$45,900 $60,600
Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Prince Edward County, VA $47,200$47,200 $47,200$47,200 $62,300
Pulaski County, VA HUD Metro FMR Area $48,400$48,400 $48,400$48,400 $63,900
Rappahannock County, VA HUD Metro FMR Area $65,500$65,500 $65,500$65,500 $86,450
Richmond County, VA $56,250$56,250 $56,250$56,250 $74,250
Richmond, VA MSA $69,100$69,100 $69,100$69,100 $91,200
Roanoke, VA HUD Metro FMR Area $58,500$58,500 $58,500$58,500 $77,200
Rockbridge County-Buena Vista city-Lexington city, VA HUD No $47,850$47,850 $47,850$47,850 $63,150
Russell County, VA $45,900$45,900 $45,900$45,900 $60,600
Shenandoah County, VA $52,150$52,150 $52,150$52,150 $68,850
Smyth County, VA $45,900$45,900 $45,900$45,900 $60,600
Southampton County-Franklin city, VA HUD Nonmetro FMR Area $50,400$50,400 $50,400$50,400 $66,550
Staunton-Waynesboro, VA MSA $55,350$55,350 $55,350$55,350 $73,050
Surry County, VA $58,650$58,650 $58,650$58,650 $77,400
Tazewell County, VA $45,900$45,900 $45,900$45,900 $60,600
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are $63,450$63,450 $63,450$63,450 $83,750
Warren County, VA HUD Metro FMR Area $61,500$61,500 $61,500$61,500 $81,200
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area $77,600$77,600 $77,600$77,600 $102,450
Westmoreland County, VA $54,300$54,300 $54,300$54,300 $71,700
Winchester, VA-WV MSA $59,050$59,050 $59,050$59,050 $77,950
Wise County-Norton city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Wythe County, VA $45,900$45,900 $45,900$45,900 $60,600

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