Alabama USDA Direct Loans are 100% financing mortgages available for low income applicants to purchase homes in rural areas. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.

Search USDA Guaranteed Loan Limits (moderate income)
Search all USDA Loan income limits (low or moderate income)
Learn about today’s USDA Loan Requirements

Direct Loans are not as popular as USDA Guaranteed Loans, which accommodate a broader range of borrower qualifications. The USDA sets specific maximum loan limits for Direct Loans in Alabama. Search for maximum loan limits for your area below.

Alabama USDA Direct Loan Limits

Area
Direct Loan Limit
Autauga $134,600
Baldwin $144,800
Barbour $129,500
Bibb $129,500
Blount $134,600
Bullock $129,500
Butler $129,500
Calhoun $129,500
Chambers $129,500
Cherokee $125,500
Chilton $134,600
Choctaw $125,500
Clarke $125,500
Clay $125,500
Cleburne $125,500
Coffee $129,500
Colbert $125,500
Conecuh $125,500
Coosa $125,500
Covington $129,500
Crenshaw $129,500
Cullman $129,500
Dale $129,500
Dallas $129,500
DeKalb $129,500
Elmore $134,600
Escambia $129,500
Etowah $129,500
Fayette $125,500
Franklin $125,500
Geneva $129,500
Greene $125,500
Hale $125,500
Henry $129,500
Houston $129,500
Jackson $134,600
Jefferson $144,800
Lamar $125,500
Lauderdale $125,500
Lawrence $125,500
Lee $129,500
Limestone $149,900
Lowndes $129,500
Macon $129,500
Madison $149,900
Marengo $125,500
Marion $125,500
Marshall $134,600
Mobile $144,800
Monroe $125,500
Montgomery $134,600
Morgan $149,900
Perry $125,500
Pickens $125,500
Pike $129,500
Randolph $125,500
Russell $129,500
Shelby $144,800
St. Clair $144,800
Sumter $125,500
Talladega $129,500
Tallapoosa $129,500
Tuscaloosa $144,800
Walker $129,500
Washington $144,800
Wilcox $125,500
Winston $125,500

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
Alabama USDA Direct Loan Limits

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Maximum Applicant Income
Alabama USDA Direct Income Limits

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