USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of West 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
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in West 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.

West Virginia USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Barbour County, WV $39,700$39,700 $39,700$39,700 $52,400
Boone County, WV HUD Metro FMR Area $44,550$44,550 $44,550$44,550 $58,800
Braxton County, WV $39,700$39,700 $39,700$39,700 $52,400
Calhoun County, WV $39,700$39,700 $39,700$39,700 $52,400
Charleston, WV HUD Metro FMR Area $47,300$47,300 $47,300$47,300 $62,450
Cumberland, MD-WV MSA $60,950$60,950 $60,950$60,950 $80,450
Doddridge County, WV $39,700$39,700 $39,700$39,700 $52,400
Fayette County, WV HUD Metro FMR Area $39,700$39,700 $39,700$39,700 $52,400
Gilmer County, WV $40,950$40,950 $40,950$40,950 $54,050
Grant County, WV $42,400$42,400 $42,400$42,400 $55,950
Greenbrier County, WV $39,850$39,850 $39,850$39,850 $52,600
Hardy County, WV $39,700$39,700 $39,700$39,700 $52,400
Harrison County, WV $45,100$45,100 $45,100$45,100 $59,550
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area $43,850$43,850 $43,850$43,850 $57,900
Jackson County, WV $45,900$45,900 $45,900$45,900 $60,600
Jefferson County, WV HUD Metro FMR Area $65,600$65,600 $65,600$65,600 $86,600
Lewis County, WV $39,700$39,700 $39,700$39,700 $52,400
Lincoln County, WV HUD Metro FMR Area $47,300$47,300 $47,300$47,300 $62,450
Logan County, WV $39,700$39,700 $39,700$39,700 $52,400
Marion County, WV $45,350$45,350 $45,350$45,350 $59,850
Martinsburg, WV HUD Metro FMR Area $60,950$60,950 $60,950$60,950 $80,450
Mason County, WV $39,700$39,700 $39,700$39,700 $52,400
McDowell County, WV $39,700$39,700 $39,700$39,700 $52,400
Mercer County, WV $39,700$39,700 $39,700$39,700 $52,400
Mingo County, WV $39,700$39,700 $39,700$39,700 $52,400
Monroe County, WV $39,700$39,700 $39,700$39,700 $52,400
Morgan County, WV $60,950$60,950 $60,950$60,950 $80,450
Morgantown, WV MSA $51,700$51,700 $51,700$51,700 $68,250
Nicholas County, WV $40,150$40,150 $40,150$40,150 $53,000
Parkersburg-Vienna, WV MSA $44,650$44,650 $44,650$44,650 $58,950
Pendleton County, WV $42,150$42,150 $42,150$42,150 $55,650
Pleasants County, WV $44,900$44,900 $44,900$44,900 $59,250
Pocahontas County, WV $39,700$39,700 $39,700$39,700 $52,400
Putnam County, WV HUD Metro FMR Area $49,600$49,600 $49,600$49,600 $65,450
Raleigh County, WV HUD Metro FMR Area $43,300$43,300 $43,300$43,300 $57,150
Randolph County, WV $42,000$42,000 $42,000$42,000 $55,450
Ritchie County, WV $39,700$39,700 $39,700$39,700 $52,400
Roane County, WV $39,700$39,700 $39,700$39,700 $52,400
Summers County, WV $39,700$39,700 $39,700$39,700 $52,400
Taylor County, WV $42,150$42,150 $42,150$42,150 $55,650
Tucker County, WV $40,800$40,800 $40,800$40,800 $53,850
Tyler County, WV $39,700$39,700 $39,700$39,700 $52,400
Upshur County, WV $40,900$40,900 $40,900$40,900 $54,000
Webster County, WV $39,700$39,700 $39,700$39,700 $52,400
Weirton-Steubenville, WV-OH MSA $44,550$44,550 $44,550$44,550 $58,800
Wetzel County, WV $44,000$44,000 $44,000$44,000 $58,100
Wheeling, WV-OH MSA $45,350$45,350 $45,350$45,350 $59,850
Winchester, VA-WV MSA $59,050$59,050 $59,050$59,050 $77,950
Wyoming County, WV $39,850$39,850 $39,850$39,850 $52,600

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
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