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

Can I get a USDA Direct Loan in Utah?

USDA Direct Loans in Utah 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 UT is $71,621, although that figure may vary from county to county. The maximum yearly income limits for Utah USDA Direct Loan approval are listed below. Other than meeting Utah 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 UT 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 UT 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 Utah?

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

Utah USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Beaver County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Box Elder County, UT HUD Metro FMR Area	$56,900	$56,900	$56,900	$56,900	$75,100
Carbon County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Daggett County, UT	$63,750	$63,750	$63,750	$63,750	$84,150
Duchesne County, UT	$57,600	$57,600	$57,600	$57,600	$76,050
Emery County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Garfield County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Grand County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Iron County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Kane County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Logan, UT-ID MSA	$56,900	$56,900	$56,900	$56,900	$75,100
Millard County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Ogden-Clearfield, UT HUD Metro FMR Area	$68,000	$68,000	$68,000	$68,000	$89,750
Piute County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Provo-Orem, UT MSA	$63,700	$63,700	$63,700	$63,700	$84,100
Rich County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Salt Lake City, UT HUD Metro FMR Area	$66,150	$66,150	$66,150	$66,150	$87,300
San Juan County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Sanpete County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
Sevier County, UT	$56,900	$56,900	$56,900	$56,900	$75,100
St. George, UT MSA	$56,900	$56,900	$56,900	$56,900	$75,100
Summit County, UT	$75,500	$75,500	$75,500	$75,500	$99,650
Tooele County, UT HUD Metro FMR Area	$59,350	$59,350	$59,350	$59,350	$78,350
Uintah County, UT	$61,600	$61,600	$61,600	$61,600	$81,300
Wasatch County, UT	$67,050	$67,050	$67,050	$67,050	$88,500
Wayne County, UT	$56,900	$56,900	$56,900	$56,900	$75,100

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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Vermont 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 Vermont

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

Can I get a USDA Direct Loan in Vermont?

USDA Direct Loans in Vermont 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 VT is $61,973, although that figure may vary from county to county. The maximum yearly income limits for Vermont USDA Direct Loan approval are listed below. Other than meeting Vermont 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 VT 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 VT 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 Vermont?

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

Vermont USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Addison County, VT	$62,300	$62,300	$62,300	$62,300	$82,250
Bennington County, VT	$58,900	$58,900	$58,900	$58,900	$77,750
Burlington-South Burlington, VT MSA	$73,450	$73,450	$73,450	$73,450	$96,950
Caledonia County, VT	$58,900	$58,900	$58,900	$58,900	$77,750
Essex County, VT	$58,900	$58,900	$58,900	$58,900	$77,750
Lamoille County, VT	$58,900	$58,900	$58,900	$58,900	$77,750
Orange County, VT	$58,900	$58,900	$58,900	$58,900	$77,750
Orleans County, VT	$58,900	$58,900	$58,900	$58,900	$77,750
Rutland County, VT	$58,900	$58,900	$58,900	$58,900	$77,750
Washington County, VT	$62,950	$62,950	$62,950	$62,950	$83,100
Windham County, VT	$58,900	$58,900	$58,900	$58,900	$77,750
Windsor County, VT	$60,900	$60,900	$60,900	$60,900	$80,400

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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Virginia 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 Virginia

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

Can I get a USDA Direct Loan in Virginia?

USDA Direct Loans in Virginia 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 VA is $74,222, although that figure may vary from county to county. The maximum yearly income limits for Virginia USDA Direct Loan approval are listed below. Other than meeting Virginia 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 VA 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 VA 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 Virginia?

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

Virginia USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Accomack County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Alleghany County-Clifton Forge city-Covington city, VA HUD N	$47,700	$47,700	$47,700	$47,700	$62,950
Bath County, VA	$50,150	$50,150	$50,150	$50,150	$66,200
Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area	$61,350	$61,350	$61,350	$61,350	$81,000
Bland County, VA	$51,450	$51,450	$51,450	$51,450	$67,900
Brunswick County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Buchanan County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Buckingham County, VA HUD Metro FMR Area	$45,900	$45,900	$45,900	$45,900	$60,600
Carroll County-Galax city, VA HUD Nonmetro FMR Area	$45,900	$45,900	$45,900	$45,900	$60,600
Charlotte County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Charlottesville, VA HUD Metro FMR Area	$71,500	$71,500	$71,500	$71,500	$94,400
Culpeper County, VA HUD Metro FMR Area	$65,750	$65,750	$65,750	$65,750	$86,800
Cumberland County, VA	$60,500	$60,500	$60,500	$60,500	$79,850
Dickenson County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Essex County, VA	$47,700	$47,700	$47,700	$47,700	$62,950
Floyd County, VA HUD Metro FMR Area	$48,500	$48,500	$48,500	$48,500	$64,000
Franklin County, VA HUD Metro FMR Area	$51,050	$51,050	$51,050	$51,050	$67,400
Giles County, VA HUD Metro FMR Area	$46,950	$46,950	$46,950	$46,950	$61,950
Grayson County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Greensville County-Emporia city, VA HUD Nonmetro FMR Area	$45,900	$45,900	$45,900	$45,900	$60,600
Halifax County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Harrisonburg, VA MSA	$54,950	$54,950	$54,950	$54,950	$72,550
Henry County-Martinsville city, VA HUD Nonmetro FMR Area	$45,900	$45,900	$45,900	$45,900	$60,600
Highland County, VA	$49,050	$49,050	$49,050	$49,050	$64,750
King and Queen County, VA	$60,500	$60,500	$60,500	$60,500	$79,850
King George County, VA	$75,500	$75,500	$75,500	$75,500	$99,650
Kingsport-Bristol-Bristol, TN-VA MSA	$44,100	$44,100	$44,100	$44,100	$58,200
Lancaster County, VA	$55,900	$55,900	$55,900	$55,900	$73,800
Lee County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Louisa County, VA	$57,450	$57,450	$57,450	$57,450	$75,850
Lunenburg County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Lynchburg, VA MSA	$55,100	$55,100	$55,100	$55,100	$72,750
Madison County, VA	$55,500	$55,500	$55,500	$55,500	$73,250
Mecklenburg County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Middlesex County, VA	$59,200	$59,200	$59,200	$59,200	$78,150
Northampton County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Northumberland County, VA	$54,550	$54,550	$54,550	$54,550	$72,000
Nottoway County, VA	$46,800	$46,800	$46,800	$46,800	$61,800
Orange County, VA	$64,150	$64,150	$64,150	$64,150	$84,700
Page County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Patrick County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area	$45,900	$45,900	$45,900	$45,900	$60,600
Prince Edward County, VA	$47,200	$47,200	$47,200	$47,200	$62,300
Pulaski County, VA HUD Metro FMR Area	$48,400	$48,400	$48,400	$48,400	$63,900
Rappahannock County, VA HUD Metro FMR Area	$65,500	$65,500	$65,500	$65,500	$86,450
Richmond County, VA	$56,250	$56,250	$56,250	$56,250	$74,250
Richmond, VA MSA	$69,100	$69,100	$69,100	$69,100	$91,200
Roanoke, VA HUD Metro FMR Area	$58,500	$58,500	$58,500	$58,500	$77,200
Rockbridge County-Buena Vista city-Lexington city, VA HUD No	$47,850	$47,850	$47,850	$47,850	$63,150
Russell County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Shenandoah County, VA	$52,150	$52,150	$52,150	$52,150	$68,850
Smyth County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Southampton County-Franklin city, VA HUD Nonmetro FMR Area	$50,400	$50,400	$50,400	$50,400	$66,550
Staunton-Waynesboro, VA MSA	$55,350	$55,350	$55,350	$55,350	$73,050
Surry County, VA	$58,650	$58,650	$58,650	$58,650	$77,400
Tazewell County, VA	$45,900	$45,900	$45,900	$45,900	$60,600
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are	$63,450	$63,450	$63,450	$63,450	$83,750
Warren County, VA HUD Metro FMR Area	$61,500	$61,500	$61,500	$61,500	$81,200
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area	$77,600	$77,600	$77,600	$77,600	$102,450
Westmoreland County, VA	$54,300	$54,300	$54,300	$54,300	$71,700
Winchester, VA-WV MSA	$59,050	$59,050	$59,050	$59,050	$77,950
Wise County-Norton city, VA HUD Nonmetro FMR Area	$45,900	$45,900	$45,900	$45,900	$60,600
Wythe County, VA	$45,900	$45,900	$45,900	$45,900	$60,600

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

More USDA Direct Loan Limits

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Washington 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 Washington

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

Can I get a USDA Direct Loan in Washington?

USDA Direct Loans in Washington 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 WA is $73,775, although that figure may vary from county to county. The maximum yearly income limits for Washington USDA Direct Loan approval are listed below. Other than meeting Washington 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 WA 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 WA 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 Washington?

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

Washington USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Adams County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Bellingham, WA MSA	$63,300	$63,300	$63,300	$63,300	$83,550
Bremerton-Silverdale, WA MSA	$68,400	$68,400	$68,400	$68,400	$90,300
Clallam County, WA	$53,200	$53,200	$53,200	$53,200	$70,200
Columbia County, WA HUD Metro FMR Area	$52,000	$52,000	$52,000	$52,000	$68,650
Ferry County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Garfield County, WA	$54,300	$54,300	$54,300	$54,300	$71,700
Grant County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Grays Harbor County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Island County, WA	$62,300	$62,300	$62,300	$62,300	$82,250
Jefferson County, WA	$55,450	$55,450	$55,450	$55,450	$73,200
Kennewick-Richland, WA MSA	$62,400	$62,400	$62,400	$62,400	$82,350
Kittitas County, WA	$57,850	$57,850	$57,850	$57,850	$76,350
Klickitat County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Lewis County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Lewiston, ID-WA MSA	$50,500	$50,500	$50,500	$50,500	$66,650
Lincoln County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Longview, WA MSA	$54,650	$54,650	$54,650	$54,650	$72,150
Mason County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Mount Vernon-Anacortes, WA MSA	$60,800	$60,800	$60,800	$60,800	$80,250
Okanogan County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Olympia-Tumwater, WA MSA	$66,950	$66,950	$66,950	$66,950	$88,350
Pacific County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Pend Oreille County, WA HUD Metro FMR Area	$52,000	$52,000	$52,000	$52,000	$68,650
Portland-Vancouver-Hillsboro, OR-WA MSA	$70,300	$70,300	$70,300	$70,300	$92,800
San Juan County, WA	$61,500	$61,500	$61,500	$61,500	$81,200
Seattle-Bellevue, WA HUD Metro FMR Area	$88,550	$88,550	$88,550	$88,550	$116,900
Spokane, WA HUD Metro FMR Area	$57,350	$57,350	$57,350	$57,350	$75,700
Stevens County, WA HUD Metro FMR Area	$52,000	$52,000	$52,000	$52,000	$68,650
Tacoma, WA HUD Metro FMR Area	$64,150	$64,150	$64,150	$64,150	$84,700
Wahkiakum County, WA	$52,000	$52,000	$52,000	$52,000	$68,650
Walla Walla County, WA HUD Metro FMR Area	$53,700	$53,700	$53,700	$53,700	$70,900
Wenatchee, WA MSA	$54,700	$54,700	$54,700	$54,700	$72,200
Whitman County, WA	$57,300	$57,300	$57,300	$57,300	$75,650
Yakima, WA MSA	$52,000	$52,000	$52,000	$52,000	$68,650

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
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West Virginia 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 West Virginia

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

Can I get a USDA Direct Loan in West Virginia?

USDA Direct Loans in West Virginia 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 WV is $46,711, although that figure may vary from county to county. The maximum yearly income limits for West Virginia USDA Direct Loan approval are listed below. Other than meeting West Virginia 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 WV 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 WV 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 West Virginia?

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

West Virginia USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Barbour County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Boone County, WV HUD Metro FMR Area	$44,650	$44,650	$44,650	$44,650	$58,950
Braxton County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Calhoun County, WV	$44,900	$44,900	$44,900	$44,900	$59,250
Charleston, WV HUD Metro FMR Area	$51,200	$51,200	$51,200	$51,200	$67,600
Cumberland, MD-WV MSA	$60,950	$60,950	$60,950	$60,950	$80,450
Doddridge County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Fayette County, WV HUD Metro FMR Area	$43,350	$43,350	$43,350	$43,350	$57,200
Gilmer County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Grant County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Greenbrier County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Hardy County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Harrison County, WV	$55,100	$55,100	$55,100	$55,100	$72,750
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area	$45,100	$45,100	$45,100	$45,100	$59,550
Jackson County, WV	$47,500	$47,500	$47,500	$47,500	$62,700
Jefferson County, WV HUD Metro FMR Area	$73,350	$73,350	$73,350	$73,350	$96,800
Lewis County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Lincoln County, WV HUD Metro FMR Area	$47,300	$47,300	$47,300	$47,300	$62,450
Logan County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Marion County, WV	$49,750	$49,750	$49,750	$49,750	$65,650
Martinsburg, WV HUD Metro FMR Area	$60,950	$60,950	$60,950	$60,950	$80,450
Mason County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
McDowell County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Mercer County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Mingo County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Monroe County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Morgan County, WV	$60,950	$60,950	$60,950	$60,950	$80,450
Morgantown, WV MSA	$59,700	$59,700	$59,700	$59,700	$78,800
Nicholas County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Parkersburg-Vienna, WV MSA	$47,050	$47,050	$47,050	$47,050	$62,100
Pendleton County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Pleasants County, WV	$46,250	$46,250	$46,250	$46,250	$61,050
Pocahontas County, WV	$45,100	$45,100	$45,100	$45,100	$59,550
Putnam County, WV HUD Metro FMR Area	$59,050	$59,050	$59,050	$59,050	$77,950
Raleigh County, WV HUD Metro FMR Area	$45,900	$45,900	$45,900	$45,900	$60,600
Randolph County, WV	$43,900	$43,900	$43,900	$43,900	$57,950
Ritchie County, WV	$43,450	$43,450	$43,450	$43,450	$57,350
Roane County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Summers County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Taylor County, WV	$45,500	$45,500	$45,500	$45,500	$60,050
Tucker County, WV	$45,050	$45,050	$45,050	$45,050	$59,450
Tyler County, WV	$43,700	$43,700	$43,700	$43,700	$57,700
Upshur County, WV	$44,300	$44,300	$44,300	$44,300	$58,500
Webster County, WV	$43,350	$43,350	$43,350	$43,350	$57,200
Weirton-Steubenville, WV-OH MSA	$52,300	$52,300	$52,300	$52,300	$69,050
Wetzel County, WV	$44,000	$44,000	$44,000	$44,000	$58,100
Wheeling, WV-OH MSA	$52,150	$52,150	$52,150	$52,150	$68,850
Winchester, VA-WV MSA	$59,050	$59,050	$59,050	$59,050	$77,950
Wyoming County, WV	$43,350	$43,350	$43,350	$43,350	$57,200

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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