If you’re in the market for a home, you may be interested in a USDA loan. They’re a great option for first-time buyers and people on a budget. But there are some limitations to their use, so you should understand what you can and cannot qualify for before you apply.
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USDA Direct Loans (also known as USDA Section 502 Direct Loans) are a mortgage program that assists low- and very-low income individuals buy decent, safe, and clean housing in rural areas. This is done through payment assistance which increases a borrower’s ability to repay. That payment assistance can be best described a subsidy which lowers the mortgage payment for short periods. The amount of assistance largely depends on the adjusted family income. USDA Direct Home Loans in South Carolina don’t work in the same manner as USDA Guaranteed Loans in South Carolina. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.South Carolina USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.
USDA Direct Loans are a mortgage program available for low-income individuals to buy homes in rural areas. USDA defines low- or very low income as anything between 50% and 80% of the Area Median (AMI). The statewide median income was recently reported as $53,199 in South Carolina, but this number may differ from one county to the next. For home buyers that meet those requirements, USDA Loans are a zero-down mortgage, meaning there’s no down payment. To be eligible, applicants must also meet the following requirements:
In addition, the subject property must meet the following requirements.
Up to the maximum loan limit, the amount of money that an applicant’s eligible for depends on their ability to pay it back. When evaluating home loan applicants for Direct home loans, Rural Development considers income, assets, debt, and payment assistance. And remember, you can’t borrow more than the local USDA loan limit for the county where the home is located, no matter what your repayment ability may be.
The subject property must be in an approved rural area. You can search specific addresses in South Carolina for USDA eligibility here.
Yes, other low down payment mortgage options, and no down payment mortgage options are available in South Carolina besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in South Carolina, FHA Loan in South Carolina, or if you’re a veteran or qualified family member, VA Loans in South Carolina. You may also want to research if any helpful South Carolina down payment assistance programs may be available.
Search all USDA Guaranteed Loan Limits (Direct and Guaranteed Loans)
Learn about today’s USDA Loan Requirements
Direct Loans aren’t as popular as USDA Guaranteed Loans, which accommodate a wider range of borrower qualifications. The USDA sets specific maximum mortgage limits for Direct Loans in South Carolina. Search home loan limits for your area below.
Area | Direct Loan Limit |
|---|---|
| Abbeville | $251,862 |
| Aiken | $251,862 |
| Allendale | $251,862 |
| Anderson | $251,862 |
| Bamberg | $251,862 |
| Barnwell | $251,862 |
| Beaufort | $280,600 |
| Berkeley | $310,960 |
| Calhoun | $251,862 |
| Charleston | $310,960 |
| Cherokee | $251,862 |
| Chester | $253,920 |
| Chesterfield | $251,862 |
| Clarendon | $251,862 |
| Colleton | $251,862 |
| Darlington | $251,862 |
| Dillon | $251,862 |
| Dorchester | $310,960 |
| Edgefield | $251,862 |
| Fairfield | $251,862 |
| Florence | $251,862 |
| Georgetown | $262,200 |
| Greenville | $251,862 |
| Greenwood | $251,862 |
| Hampton | $251,862 |
| Horry | $251,862 |
| Jasper | $280,600 |
| Kershaw | $251,862 |
| Lancaster | $253,920 |
| Laurens | $251,862 |
| Lee | $251,862 |
| Lexington | $251,862 |
| Marion | $251,862 |
| Marlboro | $251,862 |
| McCormick | $251,862 |
| Newberry | $251,862 |
| Oconee | $251,862 |
| Orangeburg | $251,862 |
| Pickens | $251,862 |
| Richland | $251,862 |
| Saluda | $251,862 |
| Spartanburg | $251,862 |
| Sumter | $251,862 |
| Union | $251,862 |
| Williamsburg | $251,862 |
| York | $253,920 |
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
USDA Direct Loans (also known as USDA Section 502 Direct Loans) are a mortgage program that assists low- and very-low income individuals buy decent, safe, and clean housing in rural areas. This is done through payment assistance which increases a borrower’s ability to repay. That payment assistance can be best described a subsidy which lowers the mortgage payment for short periods. The amount of assistance largely depends on the adjusted family income. USDA Direct Home Loans in South Dakota don’t work in the same manner as USDA Guaranteed Loans in South Dakota. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.South Dakota USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.
USDA Direct Loans are a mortgage program available for low-income individuals to buy homes in rural areas. USDA defines low- or very low income as anything between 50% and 80% of the Area Median (AMI). The statewide median income was recently reported as $58,275 in South Dakota, but this number may differ from one county to the next. For home buyers that meet those requirements, USDA Loans are a zero-down mortgage, meaning there’s no down payment. To be eligible, applicants must also meet the following requirements:
In addition, the subject property must meet the following requirements.
Up to the maximum loan limit, the amount of money that an applicant’s eligible for depends on their ability to pay it back. When evaluating home loan applicants for Direct home loans, Rural Development considers income, assets, debt, and payment assistance. And remember, you can’t borrow more than the local USDA loan limit for the county where the home is located, no matter what your repayment ability may be.
The subject property must be in an approved rural area. You can search specific addresses in South Dakota for USDA eligibility here.
Yes, other low down payment mortgage options, and no down payment mortgage options are available in South Dakota besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in South Dakota, FHA Loan in South Dakota, or if you’re a veteran or qualified family member, VA Loans in South Dakota. You may also want to research if any helpful South Dakota down payment assistance programs may be available.
Search all USDA Guaranteed Loan Limits (Direct and Guaranteed Loans)
Learn about today’s USDA Loan Requirements
Direct Loans aren’t as popular as USDA Guaranteed Loans, which accommodate a wider range of borrower qualifications. The USDA sets specific maximum mortgage limits for Direct Loans in South Dakota. Search home loan limits for your area below.
Area | Direct Loan Limit |
|---|---|
| Aurora | $251,862 |
| Beadle | $251,862 |
| Bennett | $251,862 |
| Bon Homme | $251,862 |
| Bon Homme | $251,862 |
| Brookings | $251,862 |
| Brown | $251,862 |
| Brule | $251,862 |
| Butte | $251,862 |
| Campbell | $251,862 |
| Charles Mix | $251,862 |
| Clark | $251,862 |
| Clay | $251,862 |
| Codington | $251,862 |
| Corson | $251,862 |
| Custer | $251,862 |
| Davison | $251,862 |
| Day | $251,862 |
| Deuel | $251,862 |
| Dewey | $251,862 |
| Douglas | $251,862 |
| Edmunds | $251,862 |
| Fall River | $251,862 |
| Faulk | $251,862 |
| Grant | $251,862 |
| Gregory | $251,862 |
| Haakon | $251,862 |
| Hamlin | $251,862 |
| Hand | $251,862 |
| Hanson | $251,862 |
| Harding | $251,862 |
| Hughes | $251,862 |
| Hutchinson | $251,862 |
| Hyde | $251,862 |
| Jackson | $251,862 |
| Jerauld | $251,862 |
| Jones | $251,862 |
| Kingsbury | $251,862 |
| Lake | $251,862 |
| Lawrence | $251,862 |
| Lincoln | $251,862 |
| Lyman | $251,862 |
| Marshall | $251,862 |
| McCook | $251,862 |
| McPherson | $251,862 |
| Meade | $251,862 |
| Mellette | $251,862 |
| Miner | $251,862 |
| Minnehaha | $251,862 |
| Moody | $251,862 |
| Oglala | $251,862 |
| Pennington | $251,862 |
| Perkins | $251,862 |
| Potter | $251,862 |
| Roberts | $251,862 |
| Sanborn | $251,862 |
| Spink | $251,862 |
| Stanley | $251,862 |
| Sully | $251,862 |
| Todd | $251,862 |
| Tripp | $251,862 |
| Turner | $251,862 |
| Union | $251,862 |
| Walworth | $251,862 |
| Yankton | $251,862 |
| Ziebach | $251,862 |
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
USDA Direct Loans (also known as USDA Section 502 Direct Loans) are a mortgage program that assists low- and very-low income individuals buy decent, safe, and clean housing in rural areas. This is done through payment assistance which increases a borrower’s ability to repay. That payment assistance can be best described a subsidy which lowers the mortgage payment for short periods. The amount of assistance largely depends on the adjusted family income. USDA Direct Home Loans in Tennessee don’t work in the same manner as USDA Guaranteed Loans in Tennessee. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Tennessee USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.
USDA Direct Loans are a mortgage program available for low-income individuals to buy homes in rural areas. USDA defines low- or very low income as anything between 50% and 80% of the Area Median (AMI). The statewide median income was recently reported as $53,320 in Tennessee, but this number may differ from one county to the next. For home buyers that meet those requirements, USDA Loans are a zero-down mortgage, meaning there’s no down payment. To be eligible, applicants must also meet the following requirements:
In addition, the subject property must meet the following requirements.
Up to the maximum loan limit, the amount of money that an applicant’s eligible for depends on their ability to pay it back. When evaluating home loan applicants for Direct home loans, Rural Development considers income, assets, debt, and payment assistance. And remember, you can’t borrow more than the local USDA loan limit for the county where the home is located, no matter what your repayment ability may be.
The subject property must be in an approved rural area. You can search specific addresses in Tennessee for USDA eligibility here.
Yes, other low down payment mortgage options, and no down payment mortgage options are available in Tennessee besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Tennessee, FHA Loan in Tennessee, or if you’re a veteran or qualified family member, VA Loans in Tennessee. You may also want to research if any helpful Tennessee down payment assistance programs may be available.
Search all USDA Guaranteed Loan Limits (Direct and Guaranteed Loans)
Learn about today’s USDA Loan Requirements
Direct Loans aren’t as popular as USDA Guaranteed Loans, which accommodate a wider range of borrower qualifications. The USDA sets specific maximum mortgage limits for Direct Loans in Tennessee. Search home loan limits for your area below.
Area | Direct Loan Limit |
|---|---|
| Anderson | $251,862 |
| Bedford | $251,862 |
| Benton | $251,862 |
| Bledsoe | $251,862 |
| Blount | $261,600 |
| Bradley | $251,862 |
| Campbell | $251,862 |
| Cannon | $427,800 |
| Carroll | $251,862 |
| Carter | $251,862 |
| Cheatham | $427,800 |
| Chester | $251,862 |
| Claiborne | $251,862 |
| Clay | $251,862 |
| Cocke | $251,862 |
| Coffee | $251,862 |
| Crockett | $251,862 |
| Cumberland | $251,862 |
| Davidson | $427,800 |
| Decatur | $251,862 |
| DeKalb | $251,862 |
| Dickson | $427,800 |
| Dyer | $251,862 |
| Fayette | $251,862 |
| Fentress | $251,862 |
| Franklin | $251,862 |
| Gibson | $251,862 |
| Giles | $251,862 |
| Grainger | $251,862 |
| Greene | $251,862 |
| Grundy | $251,862 |
| Hamblen | $251,862 |
| Hamilton | $251,862 |
| Hancock | $251,862 |
| Hardeman | $251,862 |
| Hardin | $251,862 |
| Hawkins | $251,862 |
| Haywood | $251,862 |
| Henderson | $251,862 |
| Henry | $251,862 |
| Hickman | $427,800 |
| Houston | $251,862 |
| Humphreys | $251,862 |
| Jackson | $251,862 |
| Jefferson | $251,862 |
| Johnson | $251,862 |
| Knox | $261,600 |
| Lake | $251,862 |
| Lauderdale | $251,862 |
| Lawrence | $251,862 |
| Lewis | $251,862 |
| Lincoln | $251,862 |
| Loudon | $261,600 |
| Macon | $427,800 |
| Madison | $251,862 |
| Marion | $251,862 |
| Marshall | $251,862 |
| Maury | $427,800 |
| McMinn | $251,862 |
| McNairy | $251,862 |
| Meigs | $251,862 |
| Monroe | $251,862 |
| Montgomery | $251,862 |
| Moore | $251,862 |
| Morgan | $251,862 |
| Obion | $251,862 |
| Overton | $251,862 |
| Perry | $251,862 |
| Pickett | $251,862 |
| Polk | $251,862 |
| Putnam | $251,862 |
| Rhea | $251,862 |
| Roane | $251,862 |
| Robertson | $427,800 |
| Rutherford | $427,800 |
| Scott | $251,862 |
| Sequatchie | $251,862 |
| Sevier | $251,862 |
| Shelby | $251,862 |
| Smith | $427,800 |
| Stewart | $251,862 |
| Sullivan | $251,862 |
| Sumner | $427,800 |
| Tipton | $251,862 |
| Trousdale | $427,800 |
| Unicoi | $251,862 |
| Union | $251,862 |
| Van Buren | $251,862 |
| Warren | $251,862 |
| Washington | $251,862 |
| Wayne | $251,862 |
| Weakley | $251,862 |
| White | $251,862 |
| Williamson | $427,800 |
| Wilson | $427,800 |
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
USDA Direct Loans (also known as USDA Section 502 Direct Loans) are a mortgage program that assists low- and very-low income individuals buy decent, safe, and clean housing in rural areas. This is done through payment assistance which increases a borrower’s ability to repay. That payment assistance can be best described a subsidy which lowers the mortgage payment for short periods. The amount of assistance largely depends on the adjusted family income. USDA Direct Home Loans in Texas don’t work in the same manner as USDA Guaranteed Loans in Texas. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Texas USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.
USDA Direct Loans are a mortgage program available for low-income individuals to buy homes in rural areas. USDA defines low- or very low income as anything between 50% and 80% of the Area Median (AMI). The statewide median income was recently reported as $61,874 in Texas, but this number may differ from one county to the next. For home buyers that meet those requirements, USDA Loans are a zero-down mortgage, meaning there’s no down payment. To be eligible, applicants must also meet the following requirements:
In addition, the subject property must meet the following requirements.
Up to the maximum loan limit, the amount of money that an applicant’s eligible for depends on their ability to pay it back. When evaluating home loan applicants for Direct home loans, Rural Development considers income, assets, debt, and payment assistance. And remember, you can’t borrow more than the local USDA loan limit for the county where the home is located, no matter what your repayment ability may be.
The subject property must be in an approved rural area. You can search specific addresses in Texas for USDA eligibility here.
Yes, other low down payment mortgage options, and no down payment mortgage options are available in Texas besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Texas, FHA Loan in Texas, or if you’re a veteran or qualified family member, VA Loans in Texas. You may also want to research if any helpful Texas down payment assistance programs may be available.
Search all USDA Guaranteed Loan Limits (Direct and Guaranteed Loans)
Learn about today’s USDA Loan Requirements
Direct Loans aren’t as popular as USDA Guaranteed Loans, which accommodate a wider range of borrower qualifications. The USDA sets specific maximum mortgage limits for Direct Loans in Texas. Search home loan limits for your area below.
Area | Direct Loan Limit |
|---|---|
| Anderson | $251,862 |
| Andrews | $251,862 |
| Angelina | $251,862 |
| Aransas | $251,862 |
| Archer | $251,862 |
| Armstrong | $251,862 |
| Atascosa | $287,960 |
| Austin | $264,960 |
| Bailey | $251,862 |
| Bandera | $287,960 |
| Bastrop | $311,880 |
| Baylor | $251,862 |
| Bee | $251,862 |
| Bell | $251,862 |
| Bexar | $287,960 |
| Blanco | $251,862 |
| Borden | $251,862 |
| Bosque | $251,862 |
| Bowie | $251,862 |
| Brazoria | $264,960 |
| Brazos | $251,862 |
| Brewster | $251,862 |
| Briscoe | $251,862 |
| Brooks | $251,862 |
| Brown | $251,862 |
| Burleson | $251,862 |
| Burnet | $251,862 |
| Caldwell | $311,880 |
| Calhoun | $251,862 |
| Callahan | $251,862 |
| Cameron | $251,862 |
| Camp | $251,862 |
| Carson | $251,862 |
| Cass | $251,862 |
| Castro | $251,862 |
| Chambers | $264,960 |
| Cherokee | $251,862 |
| Childress | $251,862 |
| Clay | $251,862 |
| Cochran | $251,862 |
| Coke | $251,862 |
| Coleman | $251,862 |
| Collin | $316,480 |
| Collingsworth | $251,862 |
| Colorado | $251,862 |
| Comal | $287,960 |
| Comanche | $251,862 |
| Concho | $251,862 |
| Cooke | $251,862 |
| Coryell | $251,862 |
| Cottle | $251,862 |
| Crane | $251,862 |
| Crockett | $251,862 |
| Crosby | $251,862 |
| Culberson | $251,862 |
| Dallam | $251,862 |
| Dallas | $316,480 |
| Dawson | $251,862 |
| Deaf Smith | $251,862 |
| Delta | $251,862 |
| Denton | $316,480 |
| DeWitt | $251,862 |
| Dickens | $251,862 |
| Dimmit | $251,862 |
| Donley | $251,862 |
| Duval | $251,862 |
| Eastland | $251,862 |
| Ector | $251,862 |
| Edwards | $251,862 |
| El Paso | $251,862 |
| Ellis | $316,480 |
| Erath | $251,862 |
| Falls | $251,862 |
| Fannin | $251,862 |
| Fayette | $251,862 |
| Fisher | $251,862 |
| Floyd | $251,862 |
| Foard | $251,862 |
| Fort Bend | $264,960 |
| Franklin | $251,862 |
| Freestone | $251,862 |
| Frio | $251,862 |
| Gaines | $251,862 |
| Galveston | $264,480 |
| Garza | $251,862 |
| Gillespie | $259,440 |
| Glasscock | $251,862 |
| Goliad | $251,862 |
| Gonzales | $251,862 |
| Gray | $251,862 |
| Grayson | $251,862 |
| Gregg | $251,862 |
| Grimes | $251,862 |
| Guadalupe | $287,960 |
| Hale | $251,862 |
| Hall | $251,862 |
| Hamilton | $251,862 |
| Hansford | $251,862 |
| Hardeman | $251,862 |
| Hardin | $251,862 |
| Harris | $264,960 |
| Harrison | $251,862 |
| Hartley | $251,862 |
| Haskell | $251,862 |
| Hays | $311,880 |
| Hemphill | $251,862 |
| Henderson | $251,862 |
| Hidalgo | $251,862 |
| Hill | $251,862 |
| Hockley | $251,862 |
| Hood | $316,480 |
| Hopkins | $251,862 |
| Houston | $251,862 |
| Howard | $251,862 |
| Hudspeth | $251,862 |
| Hunt | $316,480 |
| Hutchinson | $251,862 |
| Irion | $251,862 |
| Jack | $251,862 |
| Jackson | $251,862 |
| Jasper | $251,862 |
| Jeff Davis | $251,862 |
| Jefferson | $251,862 |
| Jim Hogg | $251,862 |
| Jim Wells | $251,862 |
| Johnson | $316,480 |
| Jones | $251,862 |
| Karnes | $251,862 |
| Kaufman | $316,480 |
| Kendall | $287,960 |
| Kenedy | $251,862 |
| Kent | $251,862 |
| Kerr | $251,862 |
| Kimble | $251,862 |
| King | $251,862 |
| Kinney | $251,862 |
| Kleberg | $251,862 |
| Knox | $251,862 |
| La Salle | $251,862 |
| Lamar | $251,862 |
| Lamb | $251,862 |
| Lampasas | $251,862 |
| Lavaca | $251,862 |
| Lee | $251,862 |
| Leon | $251,862 |
| Liberty | $264,960 |
| Limestone | $251,862 |
| Lipscomb | $251,862 |
| Live Oak | $251,862 |
| Llano | $251,862 |
| Loving | $251,862 |
| Lubbock | $251,862 |
| Lynn | $251,862 |
| Madison | $251,862 |
| Marion | $251,862 |
| Martin | $251,862 |
| Mason | $251,862 |
| Matagorda | $251,862 |
| Maverick | $251,862 |
| McCulloch | $251,862 |
| McLennan | $251,862 |
| McMullen | $251,862 |
| Medina | $287,960 |
| Menard | $251,862 |
| Midland | $254,840 |
| Milam | $251,862 |
| Mills | $251,862 |
| Mitchell | $251,862 |
| Montague | $251,862 |
| Montgomery | $264,960 |
| Moore | $251,862 |
| Morris | $251,862 |
| Motley | $251,862 |
| Nacogdoches | $251,862 |
| Navarro | $251,862 |
| Newton | $251,862 |
| Nolan | $251,862 |
| Nueces | $251,862 |
| Ochiltree | $251,862 |
| Oldham | $251,862 |
| Orange | $251,862 |
| Palo Pinto | $251,862 |
| Panola | $251,862 |
| Parker | $316,480 |
| Parmer | $251,862 |
| Pecos | $251,862 |
| Polk | $251,862 |
| Potter | $251,862 |
| Presidio | $251,862 |
| Rains | $251,862 |
| Randall | $251,862 |
| Reagan | $251,862 |
| Real | $251,862 |
| Red River | $251,862 |
| Reeves | $251,862 |
| Refugio | $251,862 |
| Roberts | $251,862 |
| Robertson | $251,862 |
| Rockwall | $316,480 |
| Runnels | $251,862 |
| Rusk | $251,862 |
| Sabine | $251,862 |
| San Augustine | $251,862 |
| San Jacinto | $251,862 |
| San Patricio | $251,862 |
| San Saba | $251,862 |
| Schleicher | $251,862 |
| Scurry | $251,862 |
| Shackelford | $251,862 |
| Shelby | $251,862 |
| Sherman | $251,862 |
| Smith | $251,862 |
| Somervell | $316,480 |
| Starr | $251,862 |
| Stephens | $251,862 |
| Sterling | $251,862 |
| Stonewall | $251,862 |
| Sutton | $251,862 |
| Swisher | $251,862 |
| Tarrant | $316,480 |
| Taylor | $251,862 |
| Terrell | $251,862 |
| Terry | $251,862 |
| Throckmorton | $251,862 |
| Titus | $251,862 |
| Tom Green | $251,862 |
| Travis | $311,880 |
| Trinity | $251,862 |
| Tyler | $251,862 |
| Upshur | $251,862 |
| Upton | $251,862 |
| Uvalde | $251,862 |
| Val Verde | $251,862 |
| Van Zandt | $251,862 |
| Victoria | $251,862 |
| Walker | $251,862 |
| Waller | $264,960 |
| Ward | $251,862 |
| Washington | $251,862 |
| Webb | $251,862 |
| Wharton | $251,862 |
| Wheeler | $251,862 |
| Wichita | $251,862 |
| Wilbarger | $251,862 |
| Willacy | $251,862 |
| Williamson | $311,880 |
| Wilson | $287,960 |
| Winkler | $251,862 |
| Wise | $316,480 |
| Wood | $251,862 |
| Yoakum | $251,862 |
| Young | $251,862 |
| Zapata | $251,862 |
| Zavala | $251,862 |
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
