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%) | $391,000 | $500,000 |
| Aleutians East Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Aleutians West Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Aleutians West Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Anchorage, AK MSA - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Anchorage, AK MSA - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Bethel Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Bethel Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Bristol Bay Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Bristol Bay Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Denali Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Denali Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Dillingham Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Dillingham Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Fairbanks, AK MSA - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Fairbanks, AK MSA - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Haines Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Haines Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Hoonah-Angoon Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Hoonah-Angoon Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Juneau City and Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Juneau City and Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Kenai Peninsula Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Kenai Peninsula Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Ketchikan Gateway Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Ketchikan Gateway Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Kodiak Island Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Kodiak Island Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Kusilvak Census Area - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Kusilvak Census Area - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Lake and Peninsula Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Lake and Peninsula Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Matanuska-Susitna Borough, AK HUD Metro FMR Area - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Matanuska-Susitna Borough, AK HUD Metro FMR Area - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Nome Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Nome Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| North Slope Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| North Slope Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Northwest Arctic Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Northwest Arctic Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Petersburg Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Petersburg Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Prince of Wales-Hyder Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Prince of Wales-Hyder Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Sitka City and Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Sitka City and Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Skagway Municipality, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Skagway Municipality, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Southeast Fairbanks Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Southeast Fairbanks Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Valdez-Cordova Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Valdez-Cordova Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Wrangell City and Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Wrangell City and Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Yakutat City and Borough, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Yakutat City and Borough, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
| Yukon-Koyukuk Census Area, AK - AREAS WITH A ROAD SYSTEM (115%) | $391,000 | $500,000 |
| Yukon-Koyukuk Census Area, AK - AREAS WITHOUT A ROAD SYSTEM (150%) | $587,000 | $776,000 |
