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Nevada 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 Nevada

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 Nevada aren’t the same thing as USDA Section 502 Guaranteed Loans in Nevada. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Nevada?

USDA Direct Loans in Nevada 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 NV is $60,365, although that figure may vary from county to county. The maximum yearly income limits for Nevada USDA Direct Loan approval are listed below. Other than meeting Nevada 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 NV 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 NV 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 Nevada?

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

Nevada USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Carson City, NV MSA	$56,100	$56,100	$56,100	$56,100	$74,050
Churchill County, NV	$56,100	$56,100	$56,100	$56,100	$74,050
Douglas County, NV	$62,550	$62,550	$62,550	$62,550	$82,550
Elko County, NV	$69,900	$69,900	$69,900	$69,900	$92,250
Esmeralda County, NV	$56,100	$56,100	$56,100	$56,100	$74,050
Eureka County, NV	$75,500	$75,500	$75,500	$75,500	$99,650
Humboldt County, NV	$63,100	$63,100	$63,100	$63,100	$83,300
Lander County, NV	$72,300	$72,300	$72,300	$72,300	$95,450
Las Vegas-Henderson-Paradise, NV MSA	$56,100	$56,100	$56,100	$56,100	$74,050
Lincoln County, NV	$56,100	$56,100	$56,100	$56,100	$74,050
Lyon County, NV	$56,100	$56,100	$56,100	$56,100	$74,050
Mineral County, NV	$56,100	$56,100	$56,100	$56,100	$74,050
Nye County, NV	$56,100	$56,100	$56,100	$56,100	$74,050
Pershing County, NV	$56,100	$56,100	$56,100	$56,100	$74,050
Reno, NV MSA	$62,500	$62,500	$62,500	$62,500	$82,500
White Pine County, NV	$57,900	$57,900	$57,900	$57,900	$76,450

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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New Hampshire 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 New Hampshire

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 New Hampshire aren’t the same thing as USDA Section 502 Guaranteed Loans in New Hampshire. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in New Hampshire?

USDA Direct Loans in New Hampshire 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 NH is $76,768, although that figure may vary from county to county. The maximum yearly income limits for New Hampshire USDA Direct Loan approval are listed below. Other than meeting New Hampshire 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 NH 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 NH 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 New Hampshire?

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

New Hampshire USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Belknap County, NH	$65,300	$65,300	$65,300	$65,300	$86,200
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area	$102,300	$102,300	$102,300	$102,300	$135,050
Carroll County, NH	$65,300	$65,300	$65,300	$65,300	$86,200
Cheshire County, NH	$65,300	$65,300	$65,300	$65,300	$86,200
Coos County, NH	$65,300	$65,300	$65,300	$65,300	$86,200
Grafton County, NH	$70,900	$70,900	$70,900	$70,900	$93,600
Hillsborough County, NH (part) HUD Metro FMR Area	$71,750	$71,750	$71,750	$71,750	$94,700
Lawrence, MA-NH HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Manchester, NH HUD Metro FMR Area	$70,900	$70,900	$70,900	$70,900	$93,600
Merrimack County, NH	$74,150	$74,150	$74,150	$74,150	$97,900
Nashua, NH HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Portsmouth-Rochester, NH HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Sullivan County, NH	$65,300	$65,300	$65,300	$65,300	$86,200
Western Rockingham County, NH HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650

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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New Jersey 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 New Jersey

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 New Jersey aren’t the same thing as USDA Section 502 Guaranteed Loans in New Jersey. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in New Jersey?

USDA Direct Loans in New Jersey 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 NJ is $82,545, although that figure may vary from county to county. The maximum yearly income limits for New Jersey USDA Direct Loan approval are listed below. Other than meeting New Jersey 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 NJ 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 NJ 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 New Jersey?

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

New Jersey USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Atlantic City-Hammonton, NJ MSA	$61,500	$61,500	$61,500	$61,500	$81,200
Bergen-Passaic, NJ HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Jersey City, NJ HUD Metro FMR Area	$75,300	$75,300	$75,300	$75,300	$99,400
Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area	$81,450	$81,450	$81,450	$81,450	$107,500
Monmouth-Ocean, NJ HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Newark, NJ HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Ocean City, NJ MSA	$66,900	$66,900	$66,900	$66,900	$88,300
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA	$72,100	$72,100	$72,100	$72,100	$95,150
Trenton, NJ MSA	$75,500	$75,500	$75,500	$75,500	$99,650
Vineland-Bridgeton, NJ MSA	$57,300	$57,300	$57,300	$57,300	$75,650
Warren County, NJ HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650

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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New Mexico 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 New Mexico

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 New Mexico aren’t the same thing as USDA Section 502 Guaranteed Loans in New Mexico. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in New Mexico?

USDA Direct Loans in New Mexico 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 NM is $49,754, although that figure may vary from county to county. The maximum yearly income limits for New Mexico USDA Direct Loan approval are listed below. Other than meeting New Mexico 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 NM 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 NM 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 New Mexico?

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

New Mexico USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Albuquerque, NM MSA	$52,550	$52,550	$52,550	$52,550	$69,350
Catron County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Chaves County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Cibola County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Colfax County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Curry County, NM	$44,500	$44,500	$44,500	$44,500	$58,750
De Baca County, NM	$45,200	$45,200	$45,200	$45,200	$59,650
Eddy County, NM	$58,150	$58,150	$58,150	$58,150	$76,750
Farmington, NM MSA	$52,900	$52,900	$52,900	$52,900	$69,850
Grant County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Guadalupe County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Harding County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Hidalgo County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Las Cruces, NM MSA	$42,950	$42,950	$42,950	$42,950	$56,700
Lea County, NM	$53,500	$53,500	$53,500	$53,500	$70,600
Lincoln County, NM	$45,850	$45,850	$45,850	$45,850	$60,500
Los Alamos County, NM	$75,500	$75,500	$75,500	$75,500	$99,650
Luna County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
McKinley County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Mora County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Otero County, NM	$46,250	$46,250	$46,250	$46,250	$61,050
Quay County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Rio Arriba County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Roosevelt County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
San Miguel County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Santa Fe, NM MSA	$58,550	$58,550	$58,550	$58,550	$77,300
Sierra County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Socorro County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Taos County, NM	$42,950	$42,950	$42,950	$42,950	$56,700
Union County, NM	$43,200	$43,200	$43,200	$43,200	$57,000

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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New York 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 New York

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 New York aren’t the same thing as USDA Section 502 Guaranteed Loans in New York. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in New York?

USDA Direct Loans in New York 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 NY is $68,486, although that figure may vary from county to county. The maximum yearly income limits for New York USDA Direct Loan approval are listed below. Other than meeting New York 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 NY 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 NY 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 New York?

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

New York USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Albany-Schenectady-Troy, NY MSA	$71,900	$71,900	$71,900	$71,900	$94,900
Allegany County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Binghamton, NY MSA	$56,400	$56,400	$56,400	$56,400	$74,450
Buffalo-Cheektowaga-Niagara Falls, NY MSA	$61,500	$61,500	$61,500	$61,500	$81,200
Cattaraugus County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Cayuga County, NY	$56,250	$56,250	$56,250	$56,250	$74,250
Chautauqua County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Chenango County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Clinton County, NY	$54,650	$54,650	$54,650	$54,650	$72,150
Columbia County, NY	$63,100	$63,100	$63,100	$63,100	$83,300
Cortland County, NY	$56,500	$56,500	$56,500	$56,500	$74,600
Delaware County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Elmira, NY MSA	$59,200	$59,200	$59,200	$59,200	$78,150
Essex County, NY	$56,250	$56,250	$56,250	$56,250	$74,250
Franklin County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Fulton County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Genesee County, NY	$56,700	$56,700	$56,700	$56,700	$74,850
Glens Falls, NY MSA	$57,100	$57,100	$57,100	$57,100	$75,350
Greene County, NY	$55,100	$55,100	$55,100	$55,100	$72,750
Hamilton County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Ithaca, NY MSA	$67,350	$67,350	$67,350	$67,350	$88,900
Kingston, NY MSA	$66,650	$66,650	$66,650	$66,650	$88,000
Lewis County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Montgomery County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Nassau-Suffolk, NY HUD Metro FMR Area	$88,950	$88,950	$88,950	$88,950	$117,400
New York, NY HUD Metro FMR Area	$85,350	$85,350	$85,350	$85,350	$112,650
Otsego County, NY	$53,350	$53,350	$53,350	$53,350	$70,400
Poughkeepsie-Newburgh-Middletown, NY HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Rochester, NY HUD Metro FMR Area	$60,550	$60,550	$60,550	$60,550	$79,950
Rockland County, NY HUD Metro FMR Area	$85,350	$85,350	$85,350	$85,350	$112,650
Schuyler County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Seneca County, NY	$55,200	$55,200	$55,200	$55,200	$72,850
St. Lawrence County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Steuben County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Sullivan County, NY	$59,850	$59,850	$59,850	$59,850	$79,000
Syracuse, NY MSA	$63,600	$63,600	$63,600	$63,600	$83,950
Utica-Rome, NY MSA	$56,300	$56,300	$56,300	$56,300	$74,300
Watertown-Fort Drum, NY MSA	$54,250	$54,250	$54,250	$54,250	$71,600
Westchester County, NY Statutory Exception Area	$82,800	$82,800	$82,800	$82,800	$109,300
Wyoming County, NY	$54,800	$54,800	$54,800	$54,800	$72,350
Yates County, NY HUD Metro FMR Area	$55,300	$55,300	$55,300	$55,300	$73,000

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