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
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