USDA Guaranteed Loans are the most popular rural development mortgage program in Alabama. Along with no down payment requirement, USDA loans also don’t have a set maximum loan limit for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio.
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Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed USDA loans are variable, with the maximum income limit playing a large role. Guaranteed Loan income limits across AL are listed below.
Alabama USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Anniston-Oxford-Jacksonville, AL MSA | $86,850 | $114,650 |
| Auburn-Opelika, AL MSA | $86,850 | $114,650 |
| Barbour County, AL | $86,850 | $114,650 |
| Birmingham-Hoover, AL HUD Metro FMR Area | $86,850 | $114,650 |
| Bullock County, AL | $86,850 | $114,650 |
| Butler County, AL | $86,850 | $114,650 |
| Chambers County, AL | $86,850 | $114,650 |
| Cherokee County, AL | $86,850 | $114,650 |
| Chilton County, AL HUD Metro FMR Area | $86,850 | $114,650 |
| Choctaw County, AL | $86,850 | $114,650 |
| Clarke County, AL | $86,850 | $114,650 |
| Clay County, AL | $86,850 | $114,650 |
| Cleburne County, AL | $86,850 | $114,650 |
| Coffee County, AL | $86,850 | $114,650 |
| Columbus, GA-AL MSA | $86,850 | $114,650 |
| Conecuh County, AL | $86,850 | $114,650 |
| Coosa County, AL | $86,850 | $114,650 |
| Covington County, AL | $86,850 | $114,650 |
| Crenshaw County, AL | $86,850 | $114,650 |
| Cullman County, AL | $86,850 | $114,650 |
| Dale County, AL | $86,850 | $114,650 |
| Dallas County, AL | $86,850 | $114,650 |
| Daphne-Fairhope-Foley, AL MSA | $86,850 | $114,650 |
| Decatur, AL MSA | $86,850 | $114,650 |
| DeKalb County, AL | $86,850 | $114,650 |
| Dothan, AL HUD Metro FMR Area | $86,850 | $114,650 |
| Escambia County, AL | $86,850 | $114,650 |
| Fayette County, AL | $86,850 | $114,650 |
| Florence-Muscle Shoals, AL MSA | $86,850 | $114,650 |
| Franklin County, AL | $86,850 | $114,650 |
| Gadsden, AL MSA | $86,850 | $114,650 |
| Greene County, AL | $86,850 | $114,650 |
| Henry County, AL HUD Metro FMR Area | $86,850 | $114,650 |
| Huntsville, AL MSA | $97,600 | $128,850 |
| Jackson County, AL | $86,850 | $114,650 |
| Lamar County, AL | $86,850 | $114,650 |
| Macon County, AL | $86,850 | $114,650 |
| Marengo County, AL | $86,850 | $114,650 |
| Marion County, AL | $86,850 | $114,650 |
| Marshall County, AL | $86,850 | $114,650 |
| Mobile, AL MSA | $86,850 | $114,650 |
| Monroe County, AL | $86,850 | $114,650 |
| Montgomery, AL MSA | $86,850 | $114,650 |
| Perry County, AL | $86,850 | $114,650 |
| Pickens County, AL HUD Metro FMR Area | $86,850 | $114,650 |
| Pike County, AL | $86,850 | $114,650 |
| Randolph County, AL | $86,850 | $114,650 |
| Sumter County, AL | $86,850 | $114,650 |
| Talladega County, AL | $86,850 | $114,650 |
| Tallapoosa County, AL | $86,850 | $114,650 |
| Tuscaloosa, AL HUD Metro FMR Area | $86,850 | $114,650 |
| Walker County, AL HUD Metro FMR Area | $86,850 | $114,650 |
| Washington County, AL | $86,850 | $114,650 |
| Wilcox County, AL | $86,850 | $114,650 |
| Winston County, AL | $86,850 | $114,650 |
