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

Can I get a USDA Direct Loan in District of Columbia?

USDA Direct Loans in District of Columbia 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 DC is $86,420, although that figure may vary from county to county. The maximum yearly income limits for District of Columbia USDA Direct Loan approval are listed below. Other than meeting District of Columbia 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 DC 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 DC 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 District of Columbia?

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

District of Columbia USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area	$77,600	$77,600	$77,600	$77,600	$102,450

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

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Florida 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 Florida

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

Can I get a USDA Direct Loan in Florida?

USDA Direct Loans in Florida 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 FL is $55,660, although that figure may vary from county to county. The maximum yearly income limits for Florida USDA Direct Loan approval are listed below. Other than meeting Florida 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 FL 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 FL 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 Florida?

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

Florida USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Baker County, FL HUD Metro FMR Area	$52,700	$52,700	$52,700	$52,700	$69,550
Bradford County, FL	$47,850	$47,850	$47,850	$47,850	$63,150
Calhoun County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Cape Coral-Fort Myers, FL MSA	$53,700	$53,700	$53,700	$53,700	$70,900
Columbia County, FL	$47,700	$47,700	$47,700	$47,700	$62,950
Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area	$57,750	$57,750	$57,750	$57,750	$76,250
Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area	$48,950	$48,950	$48,950	$48,950	$64,600
DeSoto County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Dixie County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Fort Lauderdale, FL HUD Metro FMR Area	$67,350	$67,350	$67,350	$67,350	$88,900
Franklin County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Gainesville, FL MSA	$57,050	$57,050	$57,050	$57,050	$75,300
Glades County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Gulf County, FL HUD Metro FMR Area	$43,500	$43,500	$43,500	$43,500	$57,400
Hamilton County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Hardee County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Hendry County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Holmes County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Homosassa Springs, FL MSA	$42,150	$42,150	$42,150	$42,150	$55,650
Jackson County, FL	$43,750	$43,750	$43,750	$43,750	$57,750
Jacksonville, FL HUD Metro FMR Area	$58,800	$58,800	$58,800	$58,800	$77,600
Lafayette County, FL	$45,700	$45,700	$45,700	$45,700	$60,300
Lakeland-Winter Haven, FL MSA	$46,550	$46,550	$46,550	$46,550	$61,450
Levy County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Liberty County, FL	$45,350	$45,350	$45,350	$45,350	$59,850
Madison County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Miami-Miami Beach-Kendall, FL HUD Metro FMR Area	$67,750	$67,750	$67,750	$67,750	$89,450
Monroe County, FL	$78,400	$78,400	$78,400	$78,400	$103,500
Naples-Immokalee-Marco Island, FL MSA	$62,650	$62,650	$62,650	$62,650	$82,700
North Port-Sarasota-Bradenton, FL MSA	$56,700	$56,700	$56,700	$56,700	$74,850
Ocala, FL MSA	$42,700	$42,700	$42,700	$42,700	$56,350
Okeechobee County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Orlando-Kissimmee-Sanford, FL MSA	$55,500	$55,500	$55,500	$55,500	$73,250
Palm Bay-Melbourne-Titusville, FL MSA	$52,700	$52,700	$52,700	$52,700	$69,550
Palm Coast, FL HUD Metro FMR Area	$51,850	$51,850	$51,850	$51,850	$68,450
Panama City-Lynn Haven-Panama City Beach, FL HUD Metro FMR A	$51,450	$51,450	$51,450	$51,450	$67,900
Pensacola-Ferry Pass-Brent, FL MSA	$55,350	$55,350	$55,350	$55,350	$73,050
Port St. Lucie, FL MSA	$51,500	$51,500	$51,500	$51,500	$68,000
Punta Gorda, FL MSA	$46,700	$46,700	$46,700	$46,700	$61,650
Putnam County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Sebastian-Vero Beach, FL MSA	$52,000	$52,000	$52,000	$52,000	$68,650
Sebring, FL MSA	$41,700	$41,700	$41,700	$41,700	$55,050
Suwannee County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
Tallahassee, FL HUD Metro FMR Area	$55,100	$55,100	$55,100	$55,100	$72,750
Tampa-St. Petersburg-Clearwater, FL MSA	$53,500	$53,500	$53,500	$53,500	$70,600
Taylor County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
The Villages, FL MSA	$57,050	$57,050	$57,050	$57,050	$75,300
Union County, FL	$45,850	$45,850	$45,850	$45,850	$60,500
Wakulla County, FL HUD Metro FMR Area	$53,450	$53,450	$53,450	$53,450	$70,550
Walton County, FL HUD Metro FMR Area	$53,100	$53,100	$53,100	$53,100	$70,100
Washington County, FL	$41,700	$41,700	$41,700	$41,700	$55,050
West Palm Beach-Boca Raton, FL HUD Metro FMR Area	$66,900	$66,900	$66,900	$66,900	$88,300

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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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

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Hawaii 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 Hawaii

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

Can I get a USDA Direct Loan in Hawaii?

USDA Direct Loans in Hawaii 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 HI is $81,275, although that figure may vary from county to county. The maximum yearly income limits for Hawaii USDA Direct Loan approval are listed below. Other than meeting Hawaii 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 HI 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 HI 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 Hawaii?

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

Hawaii USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Hawaii County, HI	$62,800	$62,800	$62,800	$62,800	$82,900
Kahului-Wailuku-Lahaina, HI MSA	$78,100	$78,100	$78,100	$78,100	$103,100
Kauai County, HI	$78,550	$78,550	$78,550	$78,550	$103,700
Urban Honolulu, HI MSA	$96,400	$96,400	$96,400	$96,400	$127,250

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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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?

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

More USDA Direct Loan Limits

home loans for low income usda direct loan usda direct loan income limits usda direct loan limits usda loans

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