home loans for low income Archives

Idaho USDA Direct Loan Income Limits – Low Income Loans

By Spencer Llewellyn at 12:41 am on January 5, 2023

The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Idaho aren’t the same thing as USDA Section 502 Guaranteed Loans in Idaho. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Idaho?

USDA Direct Loans in Idaho are low income loans that can be used to purchase homes in rural areas. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of ID is $55,785, although that figure may vary from county to county. The maximum yearly income limits for Idaho USDA Direct Loan approval are listed below. Other than meeting Idaho USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

You have no decent clean, safe, and sanitary housing presently.
You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
You must use this property for your primary residence.
You must possess the legal capacity to be able to contract a loan
You must meet citizenship or eligible noncitizen requirements.
You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

Be a modestly sized home for that area.
Market value can’t be in excess of the areas applicable loan limit.
Can’t be designed for the production of income.

What areas in ID are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in ID here.

How much can I borrow with a USDA Direct Home Loan?

The size of the mortgage that an applicant’s eligible for depends on their ability to repay. Rural Development takes into account income, assets, debt, and payment assistance when weighing eligibility for USDA Direct home loans. No matter what the repayment ability is, you can’t borrow more than the local loan limit for the county where the home is located.

Are there other mortgage options with low down payment or no down payment in Idaho?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Idaho besides USDA Direct Loans. You can begin by researching Idaho USDA Guaranteed Loans, Idaho FHA Loans, and Idaho VA Loans if you’re a veteran in ID or qualified family member. You may also want to look into helpful programs for down payment assistance in Idaho.

Idaho USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Adams County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Bear Lake County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Benewah County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Bingham County, ID	$50,100	$50,100	$50,100	$50,100	$66,150
Blaine County, ID	$64,500	$64,500	$64,500	$64,500	$85,150
Boise City, ID HUD Metro FMR Area	$58,900	$58,900	$58,900	$58,900	$77,750
Bonner County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Boundary County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Butte County, ID HUD Metro FMR Area	$49,700	$49,700	$49,700	$49,700	$65,600
Camas County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Caribou County, ID	$59,200	$59,200	$59,200	$59,200	$78,150
Cassia County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Clark County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Clearwater County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Coeur d'Alene, ID MSA	$51,700	$51,700	$51,700	$51,700	$68,250
Custer County, ID	$52,250	$52,250	$52,250	$52,250	$68,950
Elmore County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Fremont County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Gem County, ID HUD Metro FMR Area	$49,700	$49,700	$49,700	$49,700	$65,600
Gooding County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Idaho County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Idaho Falls, ID HUD Metro FMR Area	$54,700	$54,700	$54,700	$54,700	$72,200
Jerome County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Latah County, ID	$54,000	$54,000	$54,000	$54,000	$71,300
Lemhi County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Lewis County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Lewiston, ID-WA MSA	$50,500	$50,500	$50,500	$50,500	$66,650
Lincoln County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Logan, UT-ID MSA	$56,900	$56,900	$56,900	$56,900	$75,100
Madison County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Minidoka County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Oneida County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Payette County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Pocatello, ID MSA	$50,300	$50,300	$50,300	$50,300	$66,400
Power County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Shoshone County, ID	$49,700	$49,700	$49,700	$49,700	$65,600
Teton County, ID	$57,600	$57,600	$57,600	$57,600	$76,050
Twin Falls County, ID	$52,150	$52,150	$52,150	$52,150	$68,850
Valley County, ID	$53,300	$53,300	$53,300	$53,300	$70,350
Washington County, ID	$49,700	$49,700	$49,700	$49,700	$65,600

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)
All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

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Virginia USDA Direct Income Limits
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Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

Georgia USDA Direct Loan Income Limits – Low Income Loans

By Spencer Llewellyn at 12:41 am on January 5, 2023

USDA Direct Loan Income Limits in Georgia

The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Georgia aren’t the same thing as USDA Section 502 Guaranteed Loans in Georgia. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Georgia?

USDA Direct Loans in Georgia are low income loans that can be used to purchase homes in rural areas. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of GA is $58,700, although that figure may vary from county to county. The maximum yearly income limits for Georgia USDA Direct Loan approval are listed below. Other than meeting Georgia USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

You have no decent clean, safe, and sanitary housing presently.
You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
You must use this property for your primary residence.
You must possess the legal capacity to be able to contract a loan
You must meet citizenship or eligible noncitizen requirements.
You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

Be a modestly sized home for that area.
Market value can’t be in excess of the areas applicable loan limit.
Can’t be designed for the production of income.

What areas in GA are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in GA here.

How much can I borrow with a USDA Direct Home Loan?

Are there other mortgage options with low down payment or no down payment in Georgia?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Georgia besides USDA Direct Loans. You can begin by researching Georgia USDA Guaranteed Loans, Georgia FHA Loans, and Georgia VA Loans if you’re a veteran in GA or qualified family member. You may also want to look into helpful programs for down payment assistance in Georgia.

Georgia USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Albany, GA MSA	$42,700	$42,700	$42,700	$42,700	$56,350
Appling County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Athens-Clarke County, GA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Atkinson County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area	$63,750	$63,750	$63,750	$63,750	$84,150
Augusta-Richmond County, GA-SC HUD Metro FMR Area	$50,250	$50,250	$50,250	$50,250	$66,350
Bacon County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Baldwin County, GA	$42,700	$42,700	$42,700	$42,700	$56,350
Banks County, GA	$44,650	$44,650	$44,650	$44,650	$58,950
Ben Hill County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Berrien County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Bleckley County, GA	$45,450	$45,450	$45,450	$45,450	$60,000
Brunswick, GA MSA	$48,150	$48,150	$48,150	$48,150	$63,550
Bulloch County, GA	$45,350	$45,350	$45,350	$45,350	$59,850
Butts County, GA HUD Metro FMR Area	$51,750	$51,750	$51,750	$51,750	$68,300
Calhoun County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Camden County, GA	$52,300	$52,300	$52,300	$52,300	$69,050
Candler County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Charlton County, GA	$45,900	$45,900	$45,900	$45,900	$60,600
Chattanooga, TN-GA MSA	$54,250	$54,250	$54,250	$54,250	$71,600
Chattooga County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Clay County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Clinch County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Coffee County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Colquitt County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Columbus, GA-AL MSA	$47,700	$47,700	$47,700	$47,700	$62,950
Cook County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Crisp County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Dalton, GA HUD Metro FMR Area	$43,500	$43,500	$43,500	$43,500	$57,400
Decatur County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Dodge County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Dooly County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Early County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Elbert County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Emanuel County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Evans County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Fannin County, GA	$42,950	$42,950	$42,950	$42,950	$56,700
Franklin County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Gainesville, GA MSA	$53,450	$53,450	$53,450	$53,450	$70,550
Gilmer County, GA	$43,900	$43,900	$43,900	$43,900	$57,950
Glascock County, GA	$44,250	$44,250	$44,250	$44,250	$58,400
Gordon County, GA	$42,550	$42,550	$42,550	$42,550	$56,150
Grady County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Greene County, GA	$46,300	$46,300	$46,300	$46,300	$61,100
Habersham County, GA	$43,200	$43,200	$43,200	$43,200	$57,000
Hancock County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Haralson County, GA HUD Metro FMR Area	$45,200	$45,200	$45,200	$45,200	$59,650
Hart County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Hinesville, GA HUD Metro FMR Area	$42,000	$42,000	$42,000	$42,000	$55,450
Irwin County, GA	$42,900	$42,900	$42,900	$42,900	$56,650
Jackson County, GA	$53,500	$53,500	$53,500	$53,500	$70,600
Jeff Davis County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Jefferson County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Jenkins County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Johnson County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Lamar County, GA HUD Metro FMR Area	$43,600	$43,600	$43,600	$43,600	$57,550
Laurens County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Lincoln County, GA HUD Metro FMR Area	$41,700	$41,700	$41,700	$41,700	$55,050
Long County, GA HUD Metro FMR Area	$46,550	$46,550	$46,550	$46,550	$61,450
Lumpkin County, GA	$48,100	$48,100	$48,100	$48,100	$63,500
Macon County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Macon, GA HUD Metro FMR Area	$44,000	$44,000	$44,000	$44,000	$58,100
Meriwether County, GA HUD Metro FMR Area	$41,700	$41,700	$41,700	$41,700	$55,050
Miller County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Mitchell County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Monroe County, GA HUD Metro FMR Area	$51,900	$51,900	$51,900	$51,900	$68,500
Montgomery County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Morgan County, GA HUD Metro FMR Area	$49,900	$49,900	$49,900	$49,900	$65,850
Murray County, GA HUD Metro FMR Area	$42,000	$42,000	$42,000	$42,000	$55,450
Peach County, GA HUD Metro FMR Area	$46,700	$46,700	$46,700	$46,700	$61,650
Pierce County, GA	$43,100	$43,100	$43,100	$43,100	$56,900
Polk County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Pulaski County, GA HUD Metro FMR Area	$41,700	$41,700	$41,700	$41,700	$55,050
Putnam County, GA	$48,100	$48,100	$48,100	$48,100	$63,500
Quitman County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Rabun County, GA	$43,850	$43,850	$43,850	$43,850	$57,900
Randolph County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Rome, GA MSA	$47,850	$47,850	$47,850	$47,850	$63,150
Savannah, GA MSA	$57,350	$57,350	$57,350	$57,350	$75,700
Schley County, GA	$43,600	$43,600	$43,600	$43,600	$57,550
Screven County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Seminole County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Stephens County, GA	$43,300	$43,300	$43,300	$43,300	$57,150
Stewart County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Sumter County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Talbot County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Taliaferro County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Tattnall County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Taylor County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Telfair County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Thomas County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Tift County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Toombs County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Towns County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Treutlen County, GA	$47,100	$47,100	$47,100	$47,100	$62,150
Troup County, GA	$43,850	$43,850	$43,850	$43,850	$57,900
Turner County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Union County, GA	$45,700	$45,700	$45,700	$45,700	$60,300
Upson County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Valdosta, GA MSA	$43,350	$43,350	$43,350	$43,350	$57,200
Ware County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Warner Robins, GA HUD Metro FMR Area	$58,950	$58,950	$58,950	$58,950	$77,800
Warren County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Washington County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Wayne County, GA	$43,100	$43,100	$43,100	$43,100	$56,900
Webster County, GA	$42,250	$42,250	$42,250	$42,250	$55,750
Wheeler County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
White County, GA	$43,700	$43,700	$43,700	$43,700	$57,700
Wilcox County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Wilkes County, GA	$41,700	$41,700	$41,700	$41,700	$55,050
Wilkinson County, GA	$42,650	$42,650	$42,650	$42,650	$56,300

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)
All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

More USDA Direct Loan Limits

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California USDA Direct Loan Income Limits – Low Income Loans

By Spencer Llewellyn at 12:41 am on January 5, 2023

USDA Direct Loan Income Limits in California

The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in California aren’t the same thing as USDA Section 502 Guaranteed Loans in California. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in California?

USDA Direct Loans in California are low income loans that can be used to purchase homes in rural areas. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of CA is $75,235, although that figure may vary from county to county. The maximum yearly income limits for California USDA Direct Loan approval are listed below. Other than meeting California USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

You have no decent clean, safe, and sanitary housing presently.
You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
You must use this property for your primary residence.
You must possess the legal capacity to be able to contract a loan
You must meet citizenship or eligible noncitizen requirements.
You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

Be a modestly sized home for that area.
Market value can’t be in excess of the areas applicable loan limit.
Can’t be designed for the production of income.

What areas in CA are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in CA here.

How much can I borrow with a USDA Direct Home Loan?

Are there other mortgage options with low down payment or no down payment in California?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in California besides USDA Direct Loans. You can begin by researching California USDA Guaranteed Loans, California FHA Loans, and California VA Loans if you’re a veteran in CA or qualified family member. You may also want to look into helpful programs for down payment assistance in California.

California USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Alpine County, CA	$69,100	$69,100	$69,100	$69,100	$91,200
Amador County, CA	$58,900	$58,900	$58,900	$58,900	$77,750
Bakersfield, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Calaveras County, CA	$60,250	$60,250	$60,250	$60,250	$79,550
Chico, CA MSA	$53,200	$53,200	$53,200	$53,200	$70,200
Colusa County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Del Norte County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
El Centro, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Fresno, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Glenn County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Hanford-Corcoran, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Humboldt County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Inyo County, CA	$58,150	$58,150	$58,150	$58,150	$76,750
Lake County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Lassen County, CA	$55,500	$55,500	$55,500	$55,500	$73,250
Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area	$83,500	$83,500	$83,500	$83,500	$110,200
Madera, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Mariposa County, CA	$52,400	$52,400	$52,400	$52,400	$69,150
Mendocino County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Merced, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Modesto, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Modoc County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Mono County, CA	$64,950	$64,950	$64,950	$64,950	$85,750
Napa, CA MSA	$79,500	$79,500	$79,500	$79,500	$104,950
Nevada County, CA	$63,750	$63,750	$63,750	$63,750	$84,150
Oakland-Fremont, CA HUD Metro FMR Area	$108,550	$108,550	$108,550	$108,550	$143,300
Oxnard-Thousand Oaks-Ventura, CA MSA	$83,700	$83,700	$83,700	$83,700	$110,500
Plumas County, CA	$55,700	$55,700	$55,700	$55,700	$73,500
Redding, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Riverside-San Bernardino-Ontario, CA MSA	$57,450	$57,450	$57,450	$57,450	$75,850
Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area	$66,900	$66,900	$66,900	$66,900	$88,300
Salinas, CA MSA	$71,850	$71,850	$71,850	$71,850	$94,850
San Benito County, CA HUD Metro FMR Area	$81,600	$81,600	$81,600	$81,600	$107,700
San Diego-Carlsbad, CA MSA	$90,900	$90,900	$90,900	$90,900	$120,000
San Francisco, CA HUD Metro FMR Area	$147,850	$147,850	$147,850	$147,850	$195,150
San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area	$132,400	$132,400	$132,400	$132,400	$174,750
San Luis Obispo-Paso Robles-Arroyo Grande, CA MSA	$71,900	$71,900	$71,900	$71,900	$94,900
Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area	$94,950	$94,950	$94,950	$94,950	$125,350
Santa Cruz-Watsonville, CA MSA	$113,750	$113,750	$113,750	$113,750	$150,150
Santa Maria-Santa Barbara, CA MSA	$90,950	$90,950	$90,950	$90,950	$120,050
Santa Rosa, CA MSA	$88,000	$88,000	$88,000	$88,000	$116,150
Sierra County, CA	$60,300	$60,300	$60,300	$60,300	$79,600
Siskiyou County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Stockton-Lodi, CA MSA	$56,000	$56,000	$56,000	$56,000	$73,900
Tehama County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Trinity County, CA	$51,850	$51,850	$51,850	$51,850	$68,450
Tuolumne County, CA	$53,100	$53,100	$53,100	$53,100	$70,100
Vallejo-Fairfield, CA MSA	$68,550	$68,550	$68,550	$68,550	$90,500
Visalia-Porterville, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450
Yolo, CA HUD Metro FMR Area	$70,300	$70,300	$70,300	$70,300	$92,800
Yuba City, CA MSA	$51,850	$51,850	$51,850	$51,850	$68,450

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)
All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

More USDA Direct Loan Limits

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Arizona USDA Direct Loan Income Limits – Low Income Loans

By Spencer Llewellyn at 12:41 am on January 5, 2023

USDA Direct Loan Income Limits in Arizona

The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Arizona aren’t the same thing as USDA Section 502 Guaranteed Loans in Arizona. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Arizona?

USDA Direct Loans in Arizona are low income loans that can be used to purchase homes in rural areas. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of AZ is $58,945, although that figure may vary from county to county. The maximum yearly income limits for Arizona USDA Direct Loan approval are listed below. Other than meeting Arizona USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

You have no decent clean, safe, and sanitary housing presently.
You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
You must use this property for your primary residence.
You must possess the legal capacity to be able to contract a loan
You must meet citizenship or eligible noncitizen requirements.
You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

Be a modestly sized home for that area.
Market value can’t be in excess of the areas applicable loan limit.
Can’t be designed for the production of income.

What areas in AZ are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in AZ here.

How much can I borrow with a USDA Direct Home Loan?

Are there other mortgage options with low down payment or no down payment in Arizona?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Arizona besides USDA Direct Loans. You can begin by researching Arizona USDA Guaranteed Loans, Arizona FHA Loans, and Arizona VA Loans if you’re a veteran in AZ or qualified family member. You may also want to look into helpful programs for down payment assistance in Arizona.

Arizona USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Apache County, AZ	$39,600	$39,600	$39,600	$39,600	$52,250
Flagstaff, AZ MSA	$61,100	$61,100	$61,100	$61,100	$80,650
Gila County, AZ	$41,450	$41,450	$41,450	$41,450	$54,700
Graham County, AZ	$49,050	$49,050	$49,050	$49,050	$64,750
Greenlee County, AZ	$49,050	$49,050	$49,050	$49,050	$64,750
La Paz County, AZ	$39,600	$39,600	$39,600	$39,600	$52,250
Lake Havasu City-Kingman, AZ MSA	$47,300	$47,300	$47,300	$47,300	$62,450
Navajo County, AZ	$39,750	$39,750	$39,750	$39,750	$52,450
Phoenix-Mesa-Scottsdale, AZ MSA	$58,300	$58,300	$58,300	$58,300	$76,950
Prescott, AZ MSA	$52,900	$52,900	$52,900	$52,900	$69,850
Santa Cruz County, AZ	$39,750	$39,750	$39,750	$39,750	$52,450
Sierra Vista-Douglas, AZ MSA	$46,700	$46,700	$46,700	$46,700	$61,650
Tucson, AZ MSA	$51,100	$51,100	$51,100	$51,100	$67,450
Yuma, AZ MSA	$40,700	$40,700	$40,700	$40,700	$53,700

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)
All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

More USDA Direct Loan Limits

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Arkansas USDA Direct Loan Income Limits – Low Income Loans

By Spencer Llewellyn at 12:41 am on January 5, 2023

USDA Direct Loan Income Limits in Arkansas

The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Arkansas aren’t the same thing as USDA Section 502 Guaranteed Loans in Arkansas. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Arkansas?

USDA Direct Loans in Arkansas are low income loans that can be used to purchase homes in rural areas. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of AR is $47,597, although that figure may vary from county to county. The maximum yearly income limits for Arkansas USDA Direct Loan approval are listed below. Other than meeting Arkansas USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

You have no decent clean, safe, and sanitary housing presently.
You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
You must use this property for your primary residence.
You must possess the legal capacity to be able to contract a loan
You must meet citizenship or eligible noncitizen requirements.
You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

Be a modestly sized home for that area.
Market value can’t be in excess of the areas applicable loan limit.
Can’t be designed for the production of income.

What areas in AR are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in AR here.

How much can I borrow with a USDA Direct Home Loan?

Are there other mortgage options with low down payment or no down payment in Arkansas?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Arkansas besides USDA Direct Loans. You can begin by researching Arkansas USDA Guaranteed Loans, Arkansas FHA Loans, and Arkansas VA Loans if you’re a veteran in AR or qualified family member. You may also want to look into helpful programs for down payment assistance in Arkansas.

Arkansas USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Arkansas County, AR	$42,550	$42,550	$42,550	$42,550	$56,150
Ashley County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Baxter County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Boone County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Bradley County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Calhoun County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Carroll County, AR	$42,250	$42,250	$42,250	$42,250	$55,750
Chicot County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Clark County, AR	$44,500	$44,500	$44,500	$44,500	$58,750
Clay County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Cleburne County, AR	$45,600	$45,600	$45,600	$45,600	$60,200
Columbia County, AR	$44,100	$44,100	$44,100	$44,100	$58,200
Conway County, AR	$42,900	$42,900	$42,900	$42,900	$56,650
Cross County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Dallas County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Desha County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Drew County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Fayetteville-Springdale-Rogers, AR HUD Metro FMR Area	$55,900	$55,900	$55,900	$55,900	$73,800
Fort Smith, AR-OK HUD Metro FMR Area	$42,300	$42,300	$42,300	$42,300	$55,850
Franklin County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Fulton County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Grant County, AR HUD Metro FMR Area	$50,950	$50,950	$50,950	$50,950	$67,250
Greene County, AR	$45,200	$45,200	$45,200	$45,200	$59,650
Hempstead County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Hot Spring County, AR	$43,200	$43,200	$43,200	$43,200	$57,000
Hot Springs, AR MSA	$46,300	$46,300	$46,300	$46,300	$61,100
Howard County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Independence County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Izard County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Jackson County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Johnson County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Jonesboro, AR HUD Metro FMR Area	$44,950	$44,950	$44,950	$44,950	$59,350
Lafayette County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Lawrence County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Lee County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Little River County, AR HUD Metro FMR Area	$41,900	$41,900	$41,900	$41,900	$55,300
Little Rock-North Little Rock-Conway, AR HUD Metro FMR Area	$55,700	$55,700	$55,700	$55,700	$73,500
Logan County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Marion County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Memphis, TN-MS-AR HUD Metro FMR Area	$52,700	$52,700	$52,700	$52,700	$69,550
Mississippi County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Monroe County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Montgomery County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Nevada County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Newton County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Ouachita County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Phillips County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Pike County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Pine Bluff, AR MSA	$41,700	$41,700	$41,700	$41,700	$55,050
Poinsett County, AR HUD Metro FMR Area	$41,700	$41,700	$41,700	$41,700	$55,050
Polk County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Pope County, AR	$42,900	$42,900	$42,900	$42,900	$56,650
Prairie County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Randolph County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Scott County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Searcy County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Sevier County, AR	$42,900	$42,900	$42,900	$42,900	$56,650
Sharp County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
St. Francis County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Stone County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Texarkana, TX-Texarkana, AR HUD Metro FMR Area	$46,950	$46,950	$46,950	$46,950	$61,950
Union County, AR	$42,550	$42,550	$42,550	$42,550	$56,150
Van Buren County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
White County, AR	$45,200	$45,200	$45,200	$45,200	$59,650
Woodruff County, AR	$41,700	$41,700	$41,700	$41,700	$55,050
Yell County, AR	$41,700	$41,700	$41,700	$41,700	$55,050

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)
All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

More USDA Direct Loan Limits

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