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 Missouri don’t work in the same manner as USDA Guaranteed Loans in Missouri. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Missouri USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.

Missouri 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 $55,461 in Missouri, 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 that 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 MO are eligible for USDA Direct Loans?

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

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

Yes, other low down payment mortgage options, and no down payment mortgage options are available in Missouri besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Missouri, FHA Loan in Missouri, or if you’re a veteran or qualified family member, VA Loans in Missouri. You may also want to research if any helpful Missouri 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 Missouri. Search home loan limits for your area below.

Missouri USDA Direct Loan Limits

Direct Loan Limit
Adair $251,862
Andrew $251,862
Atchison $251,862
Audrain $251,862
Barry $251,862
Barton $251,862
Bates $269,560
Benton $251,862
Bollinger $251,862
Boone $251,862
Buchanan $251,862
Butler $251,862
Caldwell $269,560
Callaway $251,862
Camden $251,862
Cape Girardeau $251,862
Carroll $251,862
Carter $251,862
Cass $269,560
Cedar $251,862
Chariton $251,862
Christian $251,862
Clark $251,862
Clay $269,560
Clinton $269,560
Cole $251,862
Cooper $251,862
Crawford $251,862
Dade $251,862
Dallas $251,862
Daviess $251,862
DeKalb $251,862
Dent $251,862
Douglas $251,862
Dunklin $251,862
Franklin $251,862
Gasconade $251,862
Gentry $251,862
Greene $251,862
Grundy $251,862
Harrison $251,862
Henry $251,862
Hickory $251,862
Holt $251,862
Howard $251,862
Howell $251,862
Iron $251,862
Jackson $269,560
Jasper $251,862
Jefferson $251,862
Johnson $251,862
Knox $251,862
Laclede $251,862
Lafayette $269,560
Lawrence $251,862
Lewis $251,862
Lincoln $251,862
Linn $251,862
Livingston $251,862
Macon $251,862
Madison $251,862
Maries $251,862
Marion $251,862
McDonald $251,862
Mercer $251,862
Miller $251,862
Mississippi $251,862
Moniteau $251,862
Monroe $251,862
Montgomery $251,862
Morgan $251,862
New Madrid $251,862
Newton $251,862
Nodaway $251,862
Oregon $251,862
Osage $251,862
Ozark $251,862
Pemiscot $251,862
Perry $251,862
Pettis $251,862
Phelps $251,862
Pike $251,862
Platte $269,560
Polk $251,862
Pulaski $251,862
Putnam $251,862
Ralls $251,862
Randolph $251,862
Ray $269,560
Reynolds $251,862
Ripley $251,862
Saline $251,862
Schuyler $251,862
Scotland $251,862
Scott $251,862
Shannon $251,862
Shelby $251,862
St. Charles $251,862
St. Clair $251,862
St. Francois $251,862
Ste. Genevieve $251,862
Stoddard $251,862
Stone $251,862
Sullivan $251,862
Taney $251,862
Texas $251,862
Vernon $251,862
Warren $251,862
Washington $251,862
Wayne $251,862
Webster $251,862
Worth $251,862
Wright $251,862

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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