New York 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 NY.

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 New York. Search for maximum loan limits for your area below.

New York USDA Direct Loan Limits

Area
Direct Loan Limit
Delaware $189,900
Dutchess $292,500
Erie $194,900
Essex $180,900
Franklin $184,500
Fulton $179,500
Genesee $185,700
Greene $195,700
Hamilton $172,632
Herkimer $172,632
Jefferson $174,300
Lewis $185,500
Livingston $185,250
Madison $172,632
Monroe $185,250
Montgomery $173,500
Niagara $180,500
Oneida $184,600
Onondaga $184,800
Ontario $204,250
Orange $292,500
Orleans $177,100
Oswego $177,800
Otsego $189,200
Putnam $343,700
Rensselaer $191,800
Saratoga $206,400
Schenectady $178,700
Schoharie $180,500
Schuyler $164,000
Seneca $172,632
St. Lawrence $169,800
Steuben $182,200
Suffolk $343,700
Sullivan $237,030
Tioga $161,400
Tompkins $178,400
Ulster $233,330
Warren $193,200
Washington $189,100
Wayne $185,250
Westchester $343,700
Wyoming $172,632
Yates $198,900

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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Maximum Applicant Income
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