USDA Direct Loans (also known as USDA Section 502 Direct Loans) are a mortgage program that assists low- and very-low income individuals buy decent, safe, and clean housing in rural areas. This is done through payment assistance which increases a borrower’s ability to repay. That payment assistance can be best described a subsidy which lowers the mortgage payment for short periods. The amount of assistance largely depends on the adjusted family income. USDA Direct Home Loans in Kansas don’t work in the same manner as USDA Guaranteed Loans in Kansas. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Kansas USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.

Kansas USDA Direct Loan Requirements

USDA Direct Loans are a mortgage program available for low-income individuals to buy homes in rural areas. USDA defines low- or very low income as anything between 50% and 80% of the Area Median (AMI). The statewide median income was recently reported as $59,597 in Kansas, but this number may differ from one county to the next. For home buyers that meet those requirements, USDA Loans are a zero-down mortgage, meaning there’s no down payment. To be eligible, applicants must also meet the following requirements:

  • You don’t presently have decent, clean, sanitary and safe housing.
  • You can’t get another mortgage from a different source with terms and conditions reasonably expected to be met.
  • The subject property must be your primary residence.
  • You must be legally eligible for a mortgage.
  • You must meet citizenship requirements or non-citizen requirements.
  • You must be eligible for participation in federal programs.

In addition, the subject property must meet the following requirements.

  • It must be moderately-sized for the area.
  • The home cause can’t exceed the area’s applicable loan limit.
  • The home can’t be designed for the production of income.

How much can I borrow with a USDA Direct Mortgage?

Up to the maximum loan limit, the amount of money that an applicant’s eligible for depends on their ability to pay it back. When evaluating home loan applicants for Direct home loans, Rural Development considers income, assets, debt, and payment assistance. And remember, you can’t borrow more than the local USDA loan limit for the county where the home is located, no matter what your repayment ability may be.

What areas in KS are eligible for USDA Direct Loans?

The subject property must be in an approved rural area. You can search specific addresses in Kansas for USDA eligibility here.

Are there other zero down mortgage options or low down payment mortgages in Kansas?

Yes, other low down payment mortgage options, and no down payment mortgage options are available in Kansas besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Kansas, FHA Loan in Kansas, or if you’re a veteran or qualified family member, VA Loans in Kansas. You may also want to research if any helpful Kansas down payment assistance programs may be available.

Search all USDA Guaranteed Loan Limits (Direct and Guaranteed Loans)
Learn about today’s USDA Loan Requirements

Direct Loans aren’t as popular as USDA Guaranteed Loans, which accommodate a wider range of borrower qualifications. The USDA sets specific maximum mortgage limits for Direct Loans in Kansas. Search home loan limits for your area below.

Kansas USDA Direct Loan Limits

Area
Direct Loan Limit
Allen $251,862
Anderson $251,862
Atchison $251,862
Barber $251,862
Barton $251,862
Bourbon $251,862
Brown $251,862
Butler $251,862
Chase $251,862
Chautauqua $251,862
Cherokee $251,862
Cheyenne $251,862
Clark $251,862
Clay $251,862
Cloud $251,862
Coffey $251,862
Comanche $251,862
Cowley $251,862
Crawford $251,862
Decatur $251,862
Dickinson $251,862
Doniphan $251,862
Douglas $251,862
Edwards $251,862
Elk $251,862
Ellis $251,862
Ellsworth $251,862
Finney $251,862
Ford $251,862
Franklin $251,862
Geary $251,862
Gove $251,862
Graham $251,862
Grant $251,862
Gray $251,862
Greeley $251,862
Greenwood $251,862
Hamilton $251,862
Harper $251,862
Harvey $251,862
Haskell $251,862
Hodgeman $251,862
Jackson $251,862
Jefferson $251,862
Jewell $251,862
Johnson $269,560
Kearny $251,862
Kingman $251,862
Kiowa $251,862
Labette $251,862
Lane $251,862
Leavenworth $269,560
Lincoln $251,862
Linn $269,560
Logan $251,862
Lyon $251,862
Marion $251,862
Marshall $251,862
McPherson $251,862
Meade $251,862
Miami $269,560
Mitchell $251,862
Montgomery $251,862
Morris $251,862
Morton $251,862
Nemaha $251,862
Neosho $251,862
Ness $251,862
Norton $251,862
Osage $251,862
Osborne $251,862
Ottawa $251,862
Pawnee $251,862
Phillips $251,862
Pottawatomie $251,862
Pratt $251,862
Rawlins $251,862
Reno $251,862
Republic $251,862
Rice $251,862
Riley $251,862
Rooks $251,862
Rush $251,862
Russell $251,862
Saline $251,862
Scott $251,862
Sedgwick $251,862
Seward $251,862
Shawnee $251,862
Sheridan $251,862
Sherman $251,862
Smith $251,862
Stafford $251,862
Stanton $251,862
Stevens $251,862
Sumner $251,862
Thomas $251,862
Trego $251,862
Wabaunsee $251,862
Wallace $251,862
Washington $251,862
Wichita $251,862
Wilson $251,862
Woodson $251,862
Wyandotte $269,560

More USDA Loan Resources

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
USDA Loan Calculator

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