Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Alaska. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed loan limits may vary.
Alaska Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
---|---|---|
Aleutians East Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Aleutians East Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Aleutians West Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Aleutians West Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Anchorage, AK MSA - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Anchorage, AK MSA - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Bethel Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Bethel Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Bristol Bay Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Bristol Bay Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Denali Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Denali Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Dillingham Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Dillingham Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Fairbanks, AK MSA - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Fairbanks, AK MSA - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Haines Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Haines Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Hoonah-Angoon Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Hoonah-Angoon Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Juneau City and Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Juneau City and Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Kenai Peninsula Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Kenai Peninsula Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Ketchikan Gateway Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Ketchikan Gateway Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Kodiak Island Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Kodiak Island Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Lake and Peninsula Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Lake and Peninsula Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Matanuska-Susitna Borough, AK HUD Metro FMR Area - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Matanuska-Susitna Borough, AK HUD Metro FMR Area - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Nome Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Nome Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
North Slope Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
North Slope Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Northwest Arctic Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Northwest Arctic Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Petersburg Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Petersburg Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Prince of Wales-Hyder Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Prince of Wales-Hyder Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Sitka City and Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Sitka City and Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Skagway Municipality, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Skagway Municipality, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Southeast Fairbanks Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Southeast Fairbanks Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Valdez-Cordova Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Valdez-Cordova Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Wade Hampton Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Wade Hampton Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Wrangell City and Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Wrangell City and Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Yakutat City and Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Yakutat City and Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |
Yukon-Koyukuk Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $357,000 | $417,000 |
Yukon-Koyukuk Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $417,000 | $417,000 |