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

View All USDA Direct Loan Limits (low income only)
View USDA Direct Loan Income Limits
 
(low income only)
View All USDA Loan Limits (low or moderate income)
View All USDA Loan Income Limits 
(low or moderate income)
USDA Loan Programs
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 MI. Search for maximum loan limits for your area below.

Michigan USDA Direct Loan Limits

Area
Direct Loan Limit
Alcona $251,862
Alger $251,862
Allegan $251,862
Alpena $251,862
Antrim $251,862
Arenac $251,862
Baraga $251,862
Barry $251,862
Bay $251,862
Benzie $253,000
Berrien $251,862
Branch $251,862
Calhoun $251,862
Cass $251,862
Charlevoix $253,000
Cheboygan $251,862
Chippewa $251,862
Clare $251,862
Clinton $251,862
Crawford $251,862
Delta $251,862
Dickinson $251,862
Eaton $251,862
Emmet $251,862
Genesee $251,862
Gladwin $251,862
Gogebic $251,862
Grand Traverse $253,000
Gratiot $251,862
Hillsdale $251,862
Houghton $251,862
Huron $251,862
Ingham $251,862
Ionia $251,862
Iosco $251,862
Iron $251,862
Isabella $251,862
Jackson $251,862
Kalamazoo $251,862
Kalkaska $253,000
Kent $251,862
Keweenaw $251,862
Lake $251,862
Lapeer $251,862
Leelanau $253,000
Lenawee $253,000
Livingston $267,000
Luce $251,862
Mackinac $251,862
Macomb $251,862
Manistee $251,862
Marquette $251,862
Mason $251,862
Mecosta $251,862
Menominee $251,862
Midland $251,862
Missaukee $251,862
Monroe $251,862
Montcalm $251,862
Montmorency $251,862
Muskegon $251,862
Newaygo $251,862
Oakland $254,000
Oceana $251,862
Ogemaw $251,862
Ontonagon $251,862
Osceola $251,862
Oscoda $251,862
Otsego $251,862
Ottawa $251,862
Presque Isle $251,862
Roscommon $251,862
Saginaw $251,862
Sanilac $251,862
Schoolcraft $251,862
Shiawassee $251,862
St. Clair $251,862
St. Joseph $251,862
Tuscola $251,862
Van Buren $251,862
Washtenaw $297,000
Wayne $251,862
Wexford $251,862

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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