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 | $306,000 | $391,000 |
| Beadle County, SD | $306,000 | $391,000 |
| Bennett County, SD | $306,000 | $391,000 |
| Bon Homme County, SD | $306,000 | $391,000 |
| Brookings County, SD | $306,000 | $408,000 |
| Brown County, SD | $306,000 | $391,000 |
| Brule County, SD | $306,000 | $391,000 |
| Buffalo County, SD | $306,000 | $391,000 |
| Butte County, SD | $306,000 | $391,000 |
| Campbell County, SD | $306,000 | $391,000 |
| Charles Mix County, SD | $306,000 | $391,000 |
| Clark County, SD | $306,000 | $391,000 |
| Clay County, SD | $306,000 | $391,000 |
| Codington County, SD | $306,000 | $391,000 |
| Corson County, SD | $306,000 | $391,000 |
| Custer County, SD HUD Metro FMR Area | $306,000 | $391,000 |
| Davison County, SD | $306,000 | $391,000 |
| Day County, SD | $306,000 | $391,000 |
| Deuel County, SD | $306,000 | $391,000 |
| Dewey County, SD | $306,000 | $391,000 |
| Douglas County, SD | $306,000 | $391,000 |
| Edmunds County, SD | $323,000 | $417,000 |
| Fall River County, SD | $306,000 | $391,000 |
| Faulk County, SD | $306,000 | $408,000 |
| Grant County, SD | $306,000 | $391,000 |
| Gregory County, SD | $306,000 | $391,000 |
| Haakon County, SD | $306,000 | $391,000 |
| Hamlin County, SD | $306,000 | $391,000 |
| Hand County, SD | $306,000 | $408,000 |
| Hanson County, SD | $306,000 | $408,000 |
| Harding County, SD | $306,000 | $391,000 |
| Hughes County, SD | $374,000 | $483,000 |
| Hutchinson County, SD | $306,000 | $391,000 |
| Hyde County, SD | $323,000 | $408,000 |
| Jackson County, SD | $306,000 | $391,000 |
| Jerauld County, SD | $306,000 | $391,000 |
| Jones County, SD | $306,000 | $391,000 |
| Kingsbury County, SD | $306,000 | $391,000 |
| Lake County, SD | $323,000 | $417,000 |
| Lawrence County, SD | $306,000 | $391,000 |
| Lyman County, SD | $306,000 | $391,000 |
| Marshall County, SD | $306,000 | $391,000 |
| McPherson County, SD | $306,000 | $391,000 |
| Meade County, SD HUD Metro FMR Area | $306,000 | $391,000 |
| Mellette County, SD | $306,000 | $391,000 |
| Miner County, SD | $306,000 | $391,000 |
| Moody County, SD | $306,000 | $391,000 |
| Oglala Lakota County | $306,000 | $391,000 |
| Perkins County, SD | $306,000 | $391,000 |
| Potter County, SD | $306,000 | $391,000 |
| Rapid City, SD HUD Metro FMR Area | $306,000 | $391,000 |
| Roberts County, SD | $306,000 | $391,000 |
| Sanborn County, SD | $306,000 | $391,000 |
| Sioux Falls, SD MSA | $340,000 | $449,000 |
| Spink County, SD | $306,000 | $391,000 |
| Stanley County, SD | $306,000 | $391,000 |
| Sully County, SD | $323,000 | $417,000 |
| Todd County, SD | $306,000 | $391,000 |
| Tripp County, SD | $306,000 | $391,000 |
| Union County, SD SEA | $306,000 | $391,000 |
| Walworth County, SD | $306,000 | $391,000 |
| Yankton County, SD | $306,000 | $391,000 |
| Ziebach County, SD | $306,000 | $391,000 |
