USDA Guaranteed Loans are the most popular rural development mortgage program in North Dakota.  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 North Dakota USDA income limits playing a major role.  Guaranteed Loan income limits across ND are listed below.

North Dakota USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Adams County, ND$85,800$113,250
Barnes County, ND$85,800$113,250
Benson County, ND$85,800$113,250
Billings County, ND$85,800$113,250
Bismarck, ND HUD Metro FMR Area$94,450$124,650
Bottineau County, ND$85,800$113,250
Bowman County, ND$86,450$114,100
Burke County, ND$85,800$113,250
Cavalier County, ND$85,800$113,250
Dickey County, ND$85,800$113,250
Divide County, ND$85,800$113,250
Dunn County, ND$86,450$114,100
Eddy County, ND$85,800$113,250
Emmons County, ND$85,800$113,250
Fargo, ND-MN MSA$87,750$115,850
Foster County, ND$85,800$113,250
Golden Valley County, ND$85,800$113,250
Grand Forks, ND-MN MSA$85,800$113,250
Grant County, ND$85,800$113,250
Griggs County, ND$85,800$113,250
Hettinger County, ND$85,800$113,250
Kidder County, ND$85,800$113,250
LaMoure County, ND$85,800$113,250
Logan County, ND$85,800$113,250
McHenry County, ND$85,800$113,250
McIntosh County, ND$85,800$113,250
McKenzie County, ND$85,800$113,250
McLean County, ND$85,800$113,250
Mercer County, ND$94,450$124,650
Mountrail County, ND$86,450$114,100
Nelson County, ND$85,800$113,250
Oliver County, ND HUD Metro FMR Area$94,450$124,650
Pembina County, ND$85,800$113,250
Pierce County, ND$85,800$113,250
Ramsey County, ND$85,800$113,250
Ransom County, ND$85,800$113,250
Renville County, ND$85,800$113,250
Richland County, ND$85,800$113,250
Rolette County, ND$85,800$113,250
Sargent County, ND$85,800$113,250
Sheridan County, ND$85,800$113,250
Sioux County, ND HUD Metro FMR Area$85,800$113,250
Slope County, ND$85,800$113,250
Stark County, ND$88,900$117,350
Steele County, ND$85,800$113,250
Stutsman County, ND$85,800$113,250
Towner County, ND$85,800$113,250
Traill County, ND$85,800$113,250
Walsh County, ND$85,800$113,250
Ward County, ND$85,800$113,250
Wells County, ND$85,800$113,250
Williams County, ND$86,450$114,100
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