Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in South Dakota. 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 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 maximum loan limits may vary.

South Dakota USDA Loan Limits – Guaranteed Loans

Area
1-4 Person Households
5-8 Person Households
Aurora County, SD$272,000$340,000
Beadle County, SD$272,000$340,000
Bennett County, SD$272,000$340,000
Bon Homme County, SD$272,000$340,000
Brookings County, SD$272,000$357,000
Brown County, SD$272,000$357,000
Brule County, SD$272,000$340,000
Buffalo County, SD$272,000$340,000
Butte County, SD$272,000$340,000
Campbell County, SD$272,000$340,000
Charles Mix County, SD$272,000$340,000
Clark County, SD$272,000$357,000
Clay County, SD$272,000$374,000
Codington County, SD$272,000$340,000
Corson County, SD$272,000$340,000
Custer County, SD HUD Metro FMR Area$272,000$340,000
Davison County, SD$272,000$340,000
Day County, SD$272,000$340,000
Deuel County, SD$272,000$357,000
Dewey County, SD$272,000$340,000
Douglas County, SD$272,000$340,000
Edmunds County, SD$272,000$357,000
Fall River County, SD$272,000$340,000
Faulk County, SD$272,000$340,000
Grant County, SD$272,000$340,000
Gregory County, SD$272,000$340,000
Haakon County, SD$272,000$357,000
Hamlin County, SD$272,000$340,000
Hand County, SD$272,000$340,000
Hanson County, SD$272,000$340,000
Harding County, SD$272,000$340,000
Hughes County, SD$323,000$417,000
Hutchinson County, SD$272,000$340,000
Hyde County, SD$272,000$357,000
Jackson County, SD$272,000$340,000
Jerauld County, SD$272,000$340,000
Jones County, SD$272,000$340,000
Kingsbury County, SD$272,000$340,000
Lake County, SD$272,000$357,000
Lawrence County, SD$272,000$357,000
Lyman County, SD$272,000$340,000
Marshall County, SD$272,000$340,000
McPherson County, SD$272,000$340,000
Meade County, SD HUD Metro FMR Area$272,000$340,000
Mellette County, SD$272,000$340,000
Miner County, SD$272,000$340,000
Moody County, SD$272,000$357,000
Perkins County, SD$272,000$340,000
Potter County, SD$272,000$340,000
Rapid City, SD HUD Metro FMR Area$272,000$340,000
Roberts County, SD$272,000$340,000
Sanborn County, SD$272,000$340,000
Shannon County, SD$272,000$340,000
Sioux Falls, SD MSA$289,000$374,000
Spink County, SD$272,000$340,000
Stanley County, SD$272,000$340,000
Sully County, SD$289,000$374,000
Todd County, SD$272,000$340,000
Tripp County, SD$272,000$340,000
Union County, SD SEA$272,000$357,000
Walworth County, SD$272,000$340,000
Yankton County, SD$289,000$374,000
Ziebach County, SD$272,000$340,000
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