USDA Guaranteed Loans are the most popular rural development mortgage program in Minnesota.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Minnesota USDA income limits playing a major role.  Guaranteed Loan income limits across MN are listed below.

Minnesota USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Aitkin County, MN$81,200$107,200
Becker County, MN$81,200$107,200
Beltrami County, MN$81,200$107,200
Big Stone County, MN$81,200$107,200
Brown County, MN$81,200$107,200
Cass County, MN$81,200$107,200
Chippewa County, MN$81,200$107,200
Clearwater County, MN$81,200$107,200
Cook County, MN$81,200$107,200
Cottonwood County, MN$81,200$107,200
Crow Wing County, MN$81,200$107,200
Douglas County, MN$81,200$107,200
Duluth, MN-WI MSA$81,200$107,200
Fargo, ND-MN MSA$87,750$115,850
Faribault County, MN$81,200$107,200
Fillmore County, MN HUD Metro FMR Area$81,200$107,200
Freeborn County, MN$81,200$107,200
Goodhue County, MN$86,250$113,850
Grand Forks, ND-MN MSA$85,800$113,250
Grant County, MN$81,200$107,200
Hubbard County, MN$81,200$107,200
Itasca County, MN$81,200$107,200
Jackson County, MN$81,200$107,200
Kanabec County, MN$81,200$107,200
Kandiyohi County, MN$81,200$107,200
Kittson County, MN$81,200$107,200
Koochiching County, MN$81,200$107,200
La Crosse-Onalaska, WI-MN MSA$81,200$107,200
Lac qui Parle County, MN$81,200$107,200
Lake County, MN$81,200$107,200
Lake of the Woods County, MN$81,200$107,200
Le Sueur County, MN HUD Metro FMR Area$84,950$112,150
Lincoln County, MN$81,200$107,200
Lyon County, MN$82,650$109,100
Mahnomen County, MN$81,200$107,200
Mankato-North Mankato, MN MSA$85,550$112,950
Marshall County, MN$81,200$107,200
Martin County, MN$81,200$107,200
McLeod County, MN$84,950$112,150
Meeker County, MN$81,200$107,200
Mille Lacs County, MN HUD Metro FMR Area$81,200$107,200
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area$94,600$124,850
Morrison County, MN$81,200$107,200
Mower County, MN$81,200$107,200
Murray County, MN$81,200$107,200
Nicollet County, MN SEA$85,550$112,950
Nobles County, MN$81,200$107,200
Norman County, MN$81,200$107,200
Otter Tail County, MN$81,200$107,200
Pennington County, MN$81,200$107,200
Pine County, MN$81,200$107,200
Pipestone County, MN$81,200$107,200
Pope County, MN$81,200$107,200
Red Lake County, MN$81,200$107,200
Redwood County, MN$81,200$107,200
Renville County, MN$81,200$107,200
Rice County, MN$86,600$114,300
Rochester, MN HUD Metro FMR Area$94,600$124,850
Rock County, MN$81,200$107,200
Roseau County, MN$81,200$107,200
Sibley County, MN HUD Metro FMR Area$81,200$107,200
St. Cloud, MN MSA$84,150$111,100
Steele County, MN$87,250$115,150
Stevens County, MN$84,550$111,600
Swift County, MN$81,200$107,200
Todd County, MN$81,200$107,200
Traverse County, MN$81,200$107,200
Wabasha County, MN HUD Metro FMR Area$83,150$109,750
Wadena County, MN$81,200$107,200
Waseca County, MN$81,200$107,200
Watonwan County, MN$81,200$107,200
Wilkin County, MN$81,200$107,200
Winona County, MN$81,200$107,200
Yellow Medicine County, MN$81,200$107,200
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