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 $155,600
Alger $136,000
Allegan $200,000
Alpena $156,200
Antrim $159,700
Arenac $148,000
Baraga $136,000
Barry $200,000
Bay $153,000
Benzie $166,700
Berrien $200,000
Branch $170,000
Calhoun $175,000
Cass $200,000
Charlevoix $177,500
Cheboygan $136,000
Chippewa $150,000
Clare $148,000
Clinton $165,000
Crawford $154,200
Delta $150,000
Dickinson $136,000
Eaton $165,000
Emmet $160,000
Genesee $182,000
Gladwin $148,000
Gogebic $150,000
Grand Traverse $168,700
Gratiot $148,000
Hillsdale $163,000
Houghton $150,000
Huron $153,000
Ingham $180,000
Ionia $170,000
Iosco $148,000
Iron $136,000
Isabella $156,000
Jackson $186,000
Kalamazoo $200,000
Kalkaska $163,700
Kent $200,000
Keweenaw $136,000
Lake $150,900
Lapeer $165,000
Leelanau $185,300
Lenawee $180,000
Livingston $212,000
Luce $136,000
Mackinac $136,000
Macomb $198,000
Manistee $162,700
Marquette $160,000
Mason $162,700
Mecosta $140,000
Menominee $136,000
Midland $156,000
Missaukee $161,700
Monroe $202,000
Montcalm $170,000
Montmorency $152,200
Muskegon $180,000
Newaygo $140,000
Oakland $212,000
Oceana $140,000
Ogemaw $148,000
Ontonagon $136,000
Osceola $157,200
Oscoda $158,400
Otsego $160,700
Ottawa $200,000
Presque Isle $136,000
Roscommon $148,000
Saginaw $152,000
Sanilac $153,000
Schoolcraft $136,000
Shiawassee $170,000
St. Clair $165,000
St. Joseph $200,000
Tuscola $153,000
Van Buren $200,000
Washtenaw $212,000
Wayne $198,000
Wexford $161,700

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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