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$92,600$122,250
Becker County, MN$92,600$122,250
Beltrami County, MN$92,600$122,250
Big Stone County, MN$92,600$122,250
Brown County, MN$92,600$122,250
Cass County, MN$92,600$122,250
Chippewa County, MN$92,600$122,250
Clearwater County, MN$92,600$122,250
Cook County, MN$92,600$122,250
Cottonwood County, MN$92,600$122,250
Crow Wing County, MN$92,600$122,250
Douglas County, MN$92,600$122,250
Duluth, MN-WI MSA$92,600$122,250
Fargo, ND-MN MSA$96,750$127,700
Faribault County, MN$92,600$122,250
Fillmore County, MN HUD Metro FMR Area$92,600$122,250
Freeborn County, MN$92,600$122,250
Goodhue County, MN$94,450$124,650
Grand Forks, ND-MN MSA$95,900$126,600
Grant County, MN$92,600$122,250
Hubbard County, MN$92,600$122,250
Itasca County, MN$92,600$122,250
Jackson County, MN$92,600$122,250
Kanabec County, MN$92,600$122,250
Kandiyohi County, MN$92,600$122,250
Kittson County, MN$92,600$122,250
Koochiching County, MN$92,600$122,250
La Crosse-Onalaska, WI-MN MSA$90,400$119,350
Lac qui Parle County, MN$92,600$122,250
Lake County, MN$92,600$122,250
Lake of the Woods County, MN$92,600$122,250
Le Sueur County, MN HUD Metro FMR Area$92,800$122,500
Lincoln County, MN$92,600$122,250
Lyon County, MN$92,600$122,250
Mahnomen County, MN$92,600$122,250
Mankato-North Mankato, MN MSA$92,600$122,250
Marshall County, MN$92,600$122,250
Martin County, MN$92,600$122,250
McLeod County, MN$92,600$122,250
Meeker County, MN$92,600$122,250
Mille Lacs County, MN HUD Metro FMR Area$92,600$122,250
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area$108,550$143,300
Morrison County, MN$92,600$122,250
Mower County, MN$92,600$122,250
Murray County, MN$92,600$122,250
Nicollet County, MN SEA$92,600$122,250
Nobles County, MN$92,600$122,250
Norman County, MN$92,600$122,250
Otter Tail County, MN$92,600$122,250
Pennington County, MN$92,600$122,250
Pine County, MN$92,600$122,250
Pipestone County, MN$92,600$122,250
Pope County, MN$92,600$122,250
Red Lake County, MN$92,600$122,250
Redwood County, MN$92,600$122,250
Renville County, MN$92,600$122,250
Rice County, MN$98,750$130,350
Rochester, MN HUD Metro FMR Area$107,900$142,450
Rock County, MN$92,600$122,250
Roseau County, MN$92,600$122,250
Sibley County, MN HUD Metro FMR Area$92,600$122,250
St. Cloud, MN MSA$92,600$122,250
Steele County, MN$92,600$122,250
Stevens County, MN$92,600$122,250
Swift County, MN$92,600$122,250
Todd County, MN$92,600$122,250
Traverse County, MN$92,600$122,250
Wabasha County, MN HUD Metro FMR Area$92,600$122,250
Wadena County, MN$92,600$122,250
Waseca County, MN$92,600$122,250
Watonwan County, MN$92,600$122,250
Wilkin County, MN$92,600$122,250
Winona County, MN$92,600$122,250
Yellow Medicine County, MN$92,600$122,250
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