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Louisiana USDA Direct Loan Limits – Low Income Loans

By Spencer Llewellyn at 12:42 am on January 5, 2023

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 Louisiana don’t work in the same manner as USDA Guaranteed Loans in Louisiana. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Louisiana USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.

Louisiana USDA Direct Loan Requirements

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 $49,469 in Louisiana, 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:

You don’t presently have decent, clean, sanitary and safe housing.
You can’t get another mortgage from a different source with terms and conditions reasonably expected to be met.
The subject property must be your primary residence.
You must be legally eligible for a mortgage.
You must meet citizenship requirements or non-citizen requirements.
You must be eligible for participation in federal programs.

In addition, the subject property must meet the following requirements.

It must be moderately-sized for that area.
The home cause can’t exceed the area’s applicable loan limit.
The home can’t be designed for the production of income.

How much can I borrow with a USDA Direct Mortgage?

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.

What areas in LA are eligible for USDA Direct Loans?

The subject property must be in an approved rural area. You can search specific addresses in Louisiana for USDA eligibility here.

Are there other zero down mortgage options or low down payment mortgages in Louisiana?

Yes, other low down payment mortgage options, and no down payment mortgage options are available in Louisiana besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Louisiana, FHA Loan in Louisiana, or if you’re a veteran or qualified family member, VA Loans in Louisiana. You may also want to research if any helpful Louisiana 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 Louisiana. Search home loan limits for your area below.

Louisiana USDA Direct Loan Limits

Area	Direct Loan Limit
Acadia	$251,862
Allen	$251,862
Ascension	$251,862
Assumption	$251,862
Avoyelles	$251,862
Beauregard	$251,862
Bienville	$251,862
Bossier	$251,862
Caddo	$251,862
Calcasieu	$251,862
Caldwell	$251,862
Cameron	$251,862
Catahoula	$251,862
Claiborne	$251,862
Concordia	$251,862
De Soto	$251,862
East Baton Rouge	$251,862
East Carroll	$251,862
East Feliciana	$251,862
Evangeline	$251,862
Franklin	$251,862
Grant	$251,862
Iberia	$251,862
Iberville	$251,862
Jackson	$251,862
Jefferson	$251,862
Jefferson Davis	$251,862
La Salle	$251,862
Lafayette	$251,862
Lafourche	$251,862
Lincoln	$251,862
Livingston	$251,862
Madison	$251,862
Morehouse	$251,862
Natchitoches	$251,862
Ouachita	$251,862
Plaquemines	$251,862
Pointe Coupee	$251,862
Rapides	$251,862
Red River	$251,862
Richland	$251,862
Sabine	$251,862
St. Bernard	$251,862
St. Charles	$251,862
St. Helena	$251,862
St. James	$251,862
St. John the Baptist	$251,862
St. Landry	$251,862
St. Martin	$251,862
St. Mary	$251,862
St. Tammany	$251,862
Tangipahoa	$251,862
Tensas	$251,862
Terrebonne	$251,862
Union	$251,862
Vermilion	$251,862
Vernon	$251,862
Washington	$251,862
Webster	$251,862
West Baton Rouge	$251,862
West Carroll	$251,862
West Feliciana	$251,862
Winn	$251,862

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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Maine USDA Direct Loan Limits – Low Income Loans

By Spencer Llewellyn at 12:42 am on January 5, 2023

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 Maine don’t work in the same manner as USDA Guaranteed Loans in Maine. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Maine USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.

Maine USDA Direct Loan Requirements

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 $57,918 in Maine, 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:

You don’t presently have decent, clean, sanitary and safe housing.
You can’t get another mortgage from a different source with terms and conditions reasonably expected to be met.
The subject property must be your primary residence.
You must be legally eligible for a mortgage.
You must meet citizenship requirements or non-citizen requirements.
You must be eligible for participation in federal programs.

In addition, the subject property must meet the following requirements.

It must be moderately-sized for that area.
The home cause can’t exceed the area’s applicable loan limit.
The home can’t be designed for the production of income.

How much can I borrow with a USDA Direct Mortgage?

What areas in ME are eligible for USDA Direct Loans?

The subject property must be in an approved rural area. You can search specific addresses in Maine for USDA eligibility here.

Are there other zero down mortgage options or low down payment mortgages in Maine?

Yes, other low down payment mortgage options, and no down payment mortgage options are available in Maine besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Maine, FHA Loan in Maine, or if you’re a veteran or qualified family member, VA Loans in Maine. You may also want to research if any helpful Maine 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 Maine. Search home loan limits for your area below.

Maine USDA Direct Loan Limits

Area	Direct Loan Limit
Androscoggin	$253,000
Androscoggin MSA	$253,000
Aroostook	$253,000
Cumberland	$281,520
Cumberland MSA	$281,520
Franklin	$253,000
Hancock	$253,000
Kennebec	$253,000
Knox	$253,000
Lincoln	$253,000
MSA Penobscot County	$253,000
MSA Waldo County (Winterport)	$253,000
Oxford	$253,000
Penobscot	$253,000
Piscataquis	$253,000
Sagadahoc	$281,520
Somerset	$253,000
Waldo	$253,000
Washington	$253,000
York	$281,520
York MSA BerEliKitYorSBer	$281,520
York MSA Bux Hol Lim OOB	$281,520

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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South Carolina 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 South Carolina

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

Can I get a USDA Direct Loan in South Carolina?

USDA Direct Loans in South Carolina 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 SC is $53,199, although that figure may vary from county to county. The maximum yearly income limits for South Carolina USDA Direct Loan approval are listed below. Other than meeting South Carolina 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 SC 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 SC 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 South Carolina?

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

South Carolina USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Abbeville County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Allendale County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Anderson, SC HUD Metro FMR Area	$48,250	$48,250	$48,250	$48,250	$63,700
Augusta-Richmond County, GA-SC HUD Metro FMR Area	$50,250	$50,250	$50,250	$50,250	$66,350
Bamberg County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Barnwell County, SC	$46,800	$46,800	$46,800	$46,800	$61,800
Beaufort County, SC HUD Metro FMR Area	$63,500	$63,500	$63,500	$63,500	$83,800
Charleston-North Charleston, SC MSA	$62,300	$62,300	$62,300	$62,300	$82,250
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area	$63,200	$63,200	$63,200	$63,200	$83,400
Cherokee County, SC	$43,900	$43,900	$43,900	$43,900	$57,950
Chester County, SC HUD Metro FMR Area	$41,850	$41,850	$41,850	$41,850	$55,250
Chesterfield County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Clarendon County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Colleton County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Columbia, SC HUD Metro FMR Area	$55,900	$55,900	$55,900	$55,900	$73,800
Darlington County, SC HUD Metro FMR Area	$43,200	$43,200	$43,200	$43,200	$57,000
Dillon County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Florence, SC HUD Metro FMR Area	$48,550	$48,550	$48,550	$48,550	$64,100
Georgetown County, SC	$47,500	$47,500	$47,500	$47,500	$62,700
Greenville-Mauldin-Easley, SC HUD Metro FMR Area	$57,350	$57,350	$57,350	$57,350	$75,700
Greenwood County, SC	$44,700	$44,700	$44,700	$44,700	$59,000
Hampton County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Jasper County, SC HUD Metro FMR Area	$42,700	$42,700	$42,700	$42,700	$56,350
Kershaw County, SC HUD Metro FMR Area	$47,500	$47,500	$47,500	$47,500	$62,700
Lancaster County, SC HUD Metro FMR Area	$49,900	$49,900	$49,900	$49,900	$65,850
Laurens County, SC HUD Metro FMR Area	$44,400	$44,400	$44,400	$44,400	$58,600
Lee County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Marion County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Marlboro County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
McCormick County, SC	$42,550	$42,550	$42,550	$42,550	$56,150
Myrtle Beach-North Myrtle Beach-Conway, SC HUD Metro FMR Are	$48,950	$48,950	$48,950	$48,950	$64,600
Newberry County, SC	$44,650	$44,650	$44,650	$44,650	$58,950
Oconee County, SC	$46,650	$46,650	$46,650	$46,650	$61,600
Orangeburg County, SC	$41,850	$41,850	$41,850	$41,850	$55,250
Spartanburg, SC HUD Metro FMR Area	$49,700	$49,700	$49,700	$49,700	$65,600
Sumter, SC MSA	$41,850	$41,850	$41,850	$41,850	$55,250
Union County, SC HUD Metro FMR Area	$41,850	$41,850	$41,850	$41,850	$55,250
Williamsburg County, SC	$41,850	$41,850	$41,850	$41,850	$55,250

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

More USDA Direct Loan Limits

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South Dakota 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 South Dakota

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

Can I get a USDA Direct Loan in South Dakota?

USDA Direct Loans in South Dakota 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 SD is $58,275, although that figure may vary from county to county. The maximum yearly income limits for South Dakota USDA Direct Loan approval are listed below. Other than meeting South Dakota 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 SD 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 SD 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 South Dakota?

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

South Dakota USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Aurora County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Beadle County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Bennett County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Bon Homme County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Brookings County, SD	$60,800	$60,800	$60,800	$60,800	$80,250
Brown County, SD	$59,200	$59,200	$59,200	$59,200	$78,150
Brule County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Buffalo County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Butte County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Campbell County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Charles Mix County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Clark County, SD	$57,450	$57,450	$57,450	$57,450	$75,850
Clay County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Codington County, SD	$59,100	$59,100	$59,100	$59,100	$78,000
Corson County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Custer County, SD HUD Metro FMR Area	$57,850	$57,850	$57,850	$57,850	$76,350
Davison County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Day County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Deuel County, SD	$58,950	$58,950	$58,950	$58,950	$77,800
Dewey County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Douglas County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Edmunds County, SD	$64,300	$64,300	$64,300	$64,300	$84,900
Fall River County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Faulk County, SD	$61,750	$61,750	$61,750	$61,750	$81,500
Grant County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Gregory County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Haakon County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Hamlin County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Hand County, SD	$60,900	$60,900	$60,900	$60,900	$80,400
Hanson County, SD	$61,300	$61,300	$61,300	$61,300	$80,900
Harding County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Hughes County, SD	$73,850	$73,850	$73,850	$73,850	$97,500
Hutchinson County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Hyde County, SD	$63,050	$63,050	$63,050	$63,050	$83,250
Jackson County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Jerauld County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Jones County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Kingsbury County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Lake County, SD	$63,350	$63,350	$63,350	$63,350	$83,600
Lawrence County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Lyman County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Marshall County, SD	$57,500	$57,500	$57,500	$57,500	$75,900
McPherson County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Meade County, SD HUD Metro FMR Area	$56,500	$56,500	$56,500	$56,500	$74,600
Mellette County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Miner County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Moody County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Oglala Lakota County	$56,500	$56,500	$56,500	$56,500	$74,600
Perkins County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Potter County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Rapid City, SD HUD Metro FMR Area	$56,500	$56,500	$56,500	$56,500	$74,600
Roberts County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Sanborn County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Sioux Falls, SD MSA	$68,950	$68,950	$68,950	$68,950	$91,000
Spink County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Stanley County, SD	$59,200	$59,200	$59,200	$59,200	$78,150
Sully County, SD	$65,600	$65,600	$65,600	$65,600	$86,600
Todd County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Tripp County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Union County, SD SEA	$55,600	$55,600	$55,600	$55,600	$73,400
Walworth County, SD	$56,500	$56,500	$56,500	$56,500	$74,600
Yankton County, SD	$56,900	$56,900	$56,900	$56,900	$75,100
Ziebach County, SD	$56,500	$56,500	$56,500	$56,500	$74,600

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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Tennessee 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 Tennessee

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

Can I get a USDA Direct Loan in Tennessee?

USDA Direct Loans in Tennessee 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 TN is $53,320, although that figure may vary from county to county. The maximum yearly income limits for Tennessee USDA Direct Loan approval are listed below. Other than meeting Tennessee 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 TN 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 TN 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 Tennessee?

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

Tennessee USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Bedford County, TN	$42,650	$42,650	$42,650	$42,650	$56,300
Benton County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Bledsoe County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Campbell County, TN HUD Metro FMR Area	$42,000	$42,000	$42,000	$42,000	$55,450
Carroll County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Chattanooga, TN-GA MSA	$54,250	$54,250	$54,250	$54,250	$71,600
Claiborne County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Clarksville, TN-KY MSA	$48,700	$48,700	$48,700	$48,700	$64,300
Clay County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Cleveland, TN MSA	$46,500	$46,500	$46,500	$46,500	$61,400
Cocke County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Coffee County, TN	$46,150	$46,150	$46,150	$46,150	$60,900
Crockett County, TN HUD Metro FMR Area	$42,000	$42,000	$42,000	$42,000	$55,450
Cumberland County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Decatur County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
DeKalb County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Dyer County, TN	$46,000	$46,000	$46,000	$46,000	$60,700
Fentress County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Franklin County, TN	$44,100	$44,100	$44,100	$44,100	$58,200
Gibson County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Giles County, TN	$43,100	$43,100	$43,100	$43,100	$56,900
Grainger County, TN HUD Metro FMR Area	$42,000	$42,000	$42,000	$42,000	$55,450
Greene County, TN	$44,100	$44,100	$44,100	$44,100	$58,200
Grundy County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Hancock County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Hardeman County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Hardin County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Haywood County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Henderson County, TN	$42,300	$42,300	$42,300	$42,300	$55,850
Henry County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Hickman County, TN HUD Metro FMR Area	$42,000	$42,000	$42,000	$42,000	$55,450
Houston County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Humphreys County, TN	$46,100	$46,100	$46,100	$46,100	$60,850
Jackson County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Jackson, TN HUD Metro FMR Area	$46,900	$46,900	$46,900	$46,900	$61,900
Johnson City, TN MSA	$43,300	$43,300	$43,300	$43,300	$57,150
Johnson County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Kingsport-Bristol-Bristol, TN-VA MSA	$44,100	$44,100	$44,100	$44,100	$58,200
Knoxville, TN HUD Metro FMR Area	$55,900	$55,900	$55,900	$55,900	$73,800
Lake County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Lauderdale County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Lawrence County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Lewis County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Lincoln County, TN	$45,100	$45,100	$45,100	$45,100	$59,550
Macon County, TN HUD Metro FMR Area	$42,000	$42,000	$42,000	$42,000	$55,450
Marshall County, TN	$45,900	$45,900	$45,900	$45,900	$60,600
Maury County, TN HUD Metro FMR Area	$51,750	$51,750	$51,750	$51,750	$68,300
McMinn County, TN	$42,150	$42,150	$42,150	$42,150	$55,650
McNairy County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Meigs County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Memphis, TN-MS-AR HUD Metro FMR Area	$52,700	$52,700	$52,700	$52,700	$69,550
Monroe County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Moore County, TN	$49,700	$49,700	$49,700	$49,700	$65,600
Morgan County, TN HUD Metro FMR Area	$42,000	$42,000	$42,000	$42,000	$55,450
Morristown, TN MSA	$44,700	$44,700	$44,700	$44,700	$59,000
Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR	$64,000	$64,000	$64,000	$64,000	$84,500
Obion County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Overton County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Perry County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Pickett County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Putnam County, TN	$44,100	$44,100	$44,100	$44,100	$58,200
Rhea County, TN	$42,400	$42,400	$42,400	$42,400	$55,950
Roane County, TN HUD Metro FMR Area	$48,000	$48,000	$48,000	$48,000	$63,350
Scott County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Sevier County, TN	$46,800	$46,800	$46,800	$46,800	$61,800
Smith County, TN HUD Metro FMR Area	$46,300	$46,300	$46,300	$46,300	$61,100
Stewart County, TN	$45,050	$45,050	$45,050	$45,050	$59,450
Van Buren County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Warren County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Wayne County, TN	$42,000	$42,000	$42,000	$42,000	$55,450
Weakley County, TN	$43,900	$43,900	$43,900	$43,900	$57,950
White County, TN	$42,000	$42,000	$42,000	$42,000	$55,450

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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