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 $29,850$34,100 $38,400$42,650 $46,050
Alleghany County-Clifton Forge city-Covington city, VA HUD N $31,450$35,900 $40,400$44,900 $48,500
Bath County, VA $31,750$36,300 $40,800$45,350 $49,000
Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area $39,700$45,350 $51,050$56,700 $61,250
Bland County, VA $31,000$35,400 $39,850$44,250 $47,800
Brunswick County, VA $29,850$34,100 $38,400$42,650 $46,050
Buchanan County, VA $29,850$34,100 $38,400$42,650 $46,050
Buckingham County, VA HUD Metro FMR Area $29,850$34,100 $38,400$42,650 $46,050
Carroll County-Galax city, VA HUD Nonmetro FMR Area $29,850$34,100 $38,400$42,650 $46,050
Charlotte County, VA $29,850$34,100 $38,400$42,650 $46,050
Charlottesville, VA HUD Metro FMR Area $46,050$52,650 $59,200$65,800 $71,050
Culpeper County, VA HUD Metro FMR Area $45,900$52,500 $59,050$65,600 $70,850
Cumberland County, VA $42,350$48,400 $54,450$60,500 $65,350
Dickenson County, VA $29,850$34,100 $38,400$42,650 $46,050
Essex County, VA $33,400$38,150 $42,950$47,700 $51,500
Floyd County, VA HUD Metro FMR Area $31,300$35,750 $40,250$44,700 $48,300
Franklin County, VA HUD Metro FMR Area $32,950$37,700 $42,400$47,100 $50,850
Giles County, VA HUD Metro FMR Area $32,250$36,900 $41,500$46,100 $49,800
Grayson County, VA $29,850$34,100 $38,400$42,650 $46,050
Greensville County-Emporia city, VA HUD Nonmetro FMR Area $29,850$34,100 $38,400$42,650 $46,050
Halifax County, VA $29,850$34,100 $38,400$42,650 $46,050
Harrisonburg, VA MSA $34,550$39,500 $44,400$49,350 $53,300
Henry County-Martinsville city, VA HUD Nonmetro FMR Area $29,850$34,100 $38,400$42,650 $46,050
Highland County, VA $32,950$37,700 $42,400$47,100 $50,850
King and Queen County, VA $42,350$48,400 $54,450$60,500 $65,350
King George County, VA $46,050$52,650 $59,200$65,800 $71,050
Kingsport-Bristol-Bristol, TN-VA MSA $29,000$33,150 $37,300$41,450 $44,750
Lancaster County, VA $38,000$43,450 $48,850$54,300 $58,650
Lee County, VA $29,850$34,100 $38,400$42,650 $46,050
Louisa County, VA $38,850$44,400 $49,950$55,500 $59,950
Lunenburg County, VA $29,850$34,100 $38,400$42,650 $46,050
Lynchburg, VA MSA $34,050$38,900 $43,800$48,650 $52,550
Madison County, VA $38,850$44,400 $49,950$55,500 $59,950
Mecklenburg County, VA $29,850$34,100 $38,400$42,650 $46,050
Middlesex County, VA $41,450$47,350 $53,300$59,200 $63,950
Northampton County, VA $30,300$34,650 $38,950$43,300 $46,750
Northumberland County, VA $37,600$42,950 $48,350$53,700 $58,000
Nottoway County, VA $31,000$35,450 $39,850$44,300 $47,850
Orange County, VA $39,850$45,550 $51,250$56,950 $61,500
Page County, VA $30,850$35,300 $39,700$44,100 $47,650
Patrick County, VA $29,850$34,100 $38,400$42,650 $46,050
Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area $29,850$34,100 $38,400$42,650 $46,050
Prince Edward County, VA $29,850$34,100 $38,400$42,650 $46,050
Pulaski County, VA HUD Metro FMR Area $32,400$37,000 $41,650$46,250 $49,950
Rappahannock County, VA HUD Metro FMR Area $45,850$52,400 $58,950$65,500 $70,750
Richmond County, VA $39,400$45,000 $50,650$56,250 $60,750
Richmond, VA MSA $42,350$48,400 $54,450$60,500 $65,350
Roanoke, VA HUD Metro FMR Area $35,650$40,700 $45,800$50,900 $54,950
Rockbridge County-Buena Vista city-Lexington city, VA HUD No $33,150$37,900 $42,600$47,350 $51,150
Russell County, VA $29,850$34,100 $38,400$42,650 $46,050
Shenandoah County, VA $36,500$41,700 $46,950$52,150 $56,300
Smyth County, VA $29,850$34,100 $38,400$42,650 $46,050
Southampton County-Franklin city, VA HUD Nonmetro FMR Area $33,500$38,300 $43,050$47,850 $51,700
Staunton-Waynesboro, VA MSA $35,100$40,100 $45,150$50,150 $54,150
Surry County, VA $41,050$46,900 $52,800$58,650 $63,350
Tazewell County, VA $29,850$34,100 $38,400$42,650 $46,050
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are $41,050$46,900 $52,800$58,650 $63,350
Warren County, VA HUD Metro FMR Area $43,050$49,200 $55,350$61,500 $66,400
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area $49,200$56,200 $63,250$70,250 $75,850
Westmoreland County, VA $35,500$40,550 $45,650$50,700 $54,750
Winchester, VA-WV MSA $41,350$47,250 $53,150$59,050 $63,750
Wise County-Norton city, VA HUD Nonmetro FMR Area $29,850$34,100 $38,400$42,650 $46,050
Wythe County, VA $30,800$35,200 $39,600$44,000 $47,500

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