Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Indiana. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
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 maximum USDA mortgage 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 maximum loan limits may vary.
Indiana Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Adams County, IN | $306,000 | $391,000 |
| Anderson, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Blackford County, IN | $306,000 | $391,000 |
| Bloomington, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Carroll County, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Cass County, IN | $306,000 | $391,000 |
| Cincinnati, OH-KY-IN HUD Metro FMR Area | $323,000 | $417,000 |
| Clinton County, IN | $306,000 | $391,000 |
| Columbus, IN MSA | $306,000 | $391,000 |
| Crawford County, IN | $306,000 | $391,000 |
| Daviess County, IN | $306,000 | $391,000 |
| Decatur County, IN | $306,000 | $391,000 |
| DeKalb County, IN | $306,000 | $391,000 |
| Dubois County, IN | $306,000 | $391,000 |
| Elkhart-Goshen, IN MSA | $306,000 | $391,000 |
| Evansville, IN-KY MSA | $306,000 | $391,000 |
| Fayette County, IN | $306,000 | $391,000 |
| Fort Wayne, IN MSA | $306,000 | $391,000 |
| Fountain County, IN | $306,000 | $391,000 |
| Franklin County, IN | $306,000 | $391,000 |
| Fulton County, IN | $306,000 | $391,000 |
| Gary, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Gibson County, IN | $306,000 | $391,000 |
| Grant County, IN | $306,000 | $391,000 |
| Greene County, IN | $306,000 | $391,000 |
| Henry County, IN | $306,000 | $391,000 |
| Huntington County, IN | $306,000 | $391,000 |
| Indianapolis-Carmel, IN HUD Metro FMR Area | $323,000 | $417,000 |
| Jackson County, IN | $306,000 | $391,000 |
| Jasper County, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Jay County, IN | $306,000 | $391,000 |
| Jefferson County, IN | $306,000 | $391,000 |
| Jennings County, IN | $306,000 | $391,000 |
| Knox County, IN | $306,000 | $391,000 |
| Kokomo, IN MSA | $306,000 | $391,000 |
| Kosciusko County, IN | $306,000 | $391,000 |
| Lafayette-West Lafayette, IN HUD Metro FMR Area | $306,000 | $391,000 |
| LaGrange County, IN | $306,000 | $391,000 |
| Lawrence County, IN | $306,000 | $391,000 |
| Louisville, KY-IN HUD Metro FMR Area | $306,000 | $408,000 |
| Marshall County, IN | $306,000 | $391,000 |
| Martin County, IN | $306,000 | $391,000 |
| Miami County, IN | $306,000 | $391,000 |
| Michigan City-La Porte, IN MSA | $306,000 | $391,000 |
| Montgomery County, IN | $306,000 | $391,000 |
| Muncie, IN MSA | $306,000 | $391,000 |
| Noble County, IN | $306,000 | $391,000 |
| Orange County, IN | $306,000 | $391,000 |
| Owen County, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Parke County, IN | $306,000 | $391,000 |
| Perry County, IN | $306,000 | $391,000 |
| Pike County, IN | $306,000 | $391,000 |
| Pulaski County, IN | $306,000 | $391,000 |
| Putnam County, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Randolph County, IN | $306,000 | $391,000 |
| Ripley County, IN | $306,000 | $391,000 |
| Rush County, IN | $306,000 | $391,000 |
| Scott County, IN HUD Metro FMR Area | $306,000 | $391,000 |
| South Bend-Mishawaka, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Spencer County, IN | $306,000 | $391,000 |
| Starke County, IN | $306,000 | $391,000 |
| Steuben County, IN | $306,000 | $391,000 |
| Sullivan County, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Switzerland County, IN | $306,000 | $391,000 |
| Terre Haute, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Tipton County, IN | $306,000 | $391,000 |
| Union County, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Wabash County, IN | $306,000 | $391,000 |
| Warren County, IN | $306,000 | $391,000 |
| Washington County, IN HUD Metro FMR Area | $306,000 | $391,000 |
| Wayne County, IN | $306,000 | $391,000 |
| White County, IN | $306,000 | $391,000 |
