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

Direct Loans are less common in Wisconsin 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.

Wisconsin USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Adams County, WI $54,700$54,700 $54,700$54,700 $72,200
Appleton, WI MSA $67,050$67,050 $67,050$67,050 $88,500
Ashland County, WI $54,700$54,700 $54,700$54,700 $72,200
Barron County, WI $54,700$54,700 $54,700$54,700 $72,200
Bayfield County, WI $54,700$54,700 $54,700$54,700 $72,200
Buffalo County, WI $54,700$54,700 $54,700$54,700 $72,200
Burnett County, WI $54,700$54,700 $54,700$54,700 $72,200
Clark County, WI $54,700$54,700 $54,700$54,700 $72,200
Columbia County, WI HUD Metro FMR Area $62,650$62,650 $62,650$62,650 $82,700
Crawford County, WI $54,700$54,700 $54,700$54,700 $72,200
Dodge County, WI $59,750$59,750 $59,750$59,750 $78,850
Door County, WI $57,300$57,300 $57,300$57,300 $75,650
Duluth, MN-WI MSA $57,900$57,900 $57,900$57,900 $76,450
Dunn County, WI $55,300$55,300 $55,300$55,300 $73,000
Eau Claire, WI MSA $58,650$58,650 $58,650$58,650 $77,400
Florence County, WI $54,700$54,700 $54,700$54,700 $72,200
Fond du Lac, WI MSA $60,250$60,250 $60,250$60,250 $79,550
Forest County, WI $54,700$54,700 $54,700$54,700 $72,200
Grant County, WI $54,700$54,700 $54,700$54,700 $72,200
Green Bay, WI HUD Metro FMR Area $65,450$65,450 $65,450$65,450 $86,400
Green County, WI HUD Metro FMR Area $61,500$61,500 $61,500$61,500 $81,200
Green Lake County, WI $54,700$54,700 $54,700$54,700 $72,200
Iowa County, WI HUD Metro FMR Area $59,700$59,700 $59,700$59,700 $78,800
Iron County, WI $54,700$54,700 $54,700$54,700 $72,200
Jackson County, WI $54,700$54,700 $54,700$54,700 $72,200
Janesville-Beloit, WI MSA $54,700$54,700 $54,700$54,700 $72,200
Jefferson County, WI $61,850$61,850 $61,850$61,850 $81,650
Juneau County, WI $54,700$54,700 $54,700$54,700 $72,200
Kenosha County, WI HUD Metro FMR Area $65,300$65,300 $65,300$65,300 $86,200
La Crosse-Onalaska, WI-MN MSA $62,900$62,900 $62,900$62,900 $83,050
Lafayette County, WI $54,700$54,700 $54,700$54,700 $72,200
Langlade County, WI $54,700$54,700 $54,700$54,700 $72,200
Lincoln County, WI $54,700$54,700 $54,700$54,700 $72,200
Madison, WI HUD Metro FMR Area $75,500$75,500 $75,500$75,500 $99,650
Manitowoc County, WI $55,100$55,100 $55,100$55,100 $72,750
Marinette County, WI $54,700$54,700 $54,700$54,700 $72,200
Marquette County, WI $54,700$54,700 $54,700$54,700 $72,200
Menominee County, WI $54,700$54,700 $54,700$54,700 $72,200
Milwaukee-Waukesha-West Allis, WI MSA $65,850$65,850 $65,850$65,850 $86,900
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area $75,500$75,500 $75,500$75,500 $99,650
Monroe County, WI $55,350$55,350 $55,350$55,350 $73,050
Oconto County, WI HUD Metro FMR Area $55,350$55,350 $55,350$55,350 $73,050
Oneida County, WI $54,700$54,700 $54,700$54,700 $72,200
Oshkosh-Neenah, WI MSA $62,550$62,550 $62,550$62,550 $82,550
Pepin County, WI $55,700$55,700 $55,700$55,700 $73,500
Polk County, WI $54,700$54,700 $54,700$54,700 $72,200
Portage County, WI $61,300$61,300 $61,300$61,300 $80,900
Price County, WI $54,700$54,700 $54,700$54,700 $72,200
Racine, WI MSA $60,000$60,000 $60,000$60,000 $79,200
Richland County, WI $54,700$54,700 $54,700$54,700 $72,200
Rusk County, WI $54,700$54,700 $54,700$54,700 $72,200
Sauk County, WI $56,400$56,400 $56,400$56,400 $74,450
Sawyer County, WI $54,700$54,700 $54,700$54,700 $72,200
Shawano County, WI $54,700$54,700 $54,700$54,700 $72,200
Sheboygan, WI MSA $61,500$61,500 $61,500$61,500 $81,200
Taylor County, WI $54,700$54,700 $54,700$54,700 $72,200
Trempealeau County, WI $56,250$56,250 $56,250$56,250 $74,250
Vernon County, WI $54,700$54,700 $54,700$54,700 $72,200
Vilas County, WI $54,700$54,700 $54,700$54,700 $72,200
Walworth County, WI $62,650$62,650 $62,650$62,650 $82,700
Washburn County, WI $54,700$54,700 $54,700$54,700 $72,200
Waupaca County, WI $54,800$54,800 $54,800$54,800 $72,350
Wausau, WI MSA $58,550$58,550 $58,550$58,550 $77,300
Waushara County, WI $54,700$54,700 $54,700$54,700 $72,200
Wood County, WI $56,500$56,500 $56,500$56,500 $74,600

More USDA Direct Loan Limits (Low Income)

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Maximum Applicant Income
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