Texas USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loan Income Limits in Texas

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

Can I get a USDA Direct Loan in Texas?

USDA Loan RequirementsUSDA Direct Loans in Texas 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 TX is $61,874, although that figure may vary from county to county. The maximum yearly income limits for Texas USDA Direct Loan approval are listed below. Other than meeting Texas 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 TX 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 TX 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 Texas?

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

Texas USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Abilene, TX MSA $50,300$50,300 $50,300$50,300 $66,400
Amarillo, TX HUD Metro FMR Area $57,300$57,300 $57,300$57,300 $75,650
Anderson County, TX $46,950$46,950 $46,950$46,950 $61,950
Andrews County, TX $66,800$66,800 $66,800$66,800 $88,200
Angelina County, TX $46,950$46,950 $46,950$46,950 $61,950
Aransas County, TX HUD Metro FMR Area $47,700$47,700 $47,700$47,700 $62,950
Atascosa County, TX HUD Metro FMR Area $49,700$49,700 $49,700$49,700 $65,600
Austin County, TX HUD Metro FMR Area $60,650$60,650 $60,650$60,650 $80,050
Austin-Round Rock, TX MSA $75,500$75,500 $75,500$75,500 $99,650
Bailey County, TX $46,950$46,950 $46,950$46,950 $61,950
Baylor County, TX $49,350$49,350 $49,350$49,350 $65,150
Beaumont-Port Arthur, TX HUD Metro FMR Area $52,150$52,150 $52,150$52,150 $68,850
Bee County, TX $46,950$46,950 $46,950$46,950 $61,950
Blanco County, TX $60,250$60,250 $60,250$60,250 $79,550
Borden County, TX $65,500$65,500 $65,500$65,500 $86,450
Bosque County, TX $46,950$46,950 $46,950$46,950 $61,950
Brazoria County, TX HUD Metro FMR Area $75,350$75,350 $75,350$75,350 $99,450
Brewster County, TX $47,700$47,700 $47,700$47,700 $62,950
Briscoe County, TX $46,950$46,950 $46,950$46,950 $61,950
Brooks County, TX $46,950$46,950 $46,950$46,950 $61,950
Brown County, TX $46,950$46,950 $46,950$46,950 $61,950
Brownsville-Harlingen, TX MSA $46,950$46,950 $46,950$46,950 $61,950
Burnet County, TX $53,450$53,450 $53,450$53,450 $70,550
Calhoun County, TX $54,500$54,500 $54,500$54,500 $71,950
Camp County, TX $46,950$46,950 $46,950$46,950 $61,950
Cass County, TX $46,950$46,950 $46,950$46,950 $61,950
Castro County, TX $46,950$46,950 $46,950$46,950 $61,950
Cherokee County, TX $46,950$46,950 $46,950$46,950 $61,950
Childress County, TX $48,100$48,100 $48,100$48,100 $63,500
Cochran County, TX $46,950$46,950 $46,950$46,950 $61,950
Coke County, TX $51,700$51,700 $51,700$51,700 $68,250
Coleman County, TX $46,950$46,950 $46,950$46,950 $61,950
College Station-Bryan, TX MSA $54,800$54,800 $54,800$54,800 $72,350
Collingsworth County, TX $46,950$46,950 $46,950$46,950 $61,950
Colorado County, TX $48,300$48,300 $48,300$48,300 $63,750
Comanche County, TX $46,950$46,950 $46,950$46,950 $61,950
Concho County, TX $53,700$53,700 $53,700$53,700 $70,900
Cooke County, TX $57,100$57,100 $57,100$57,100 $75,350
Corpus Christi, TX HUD Metro FMR Area $53,050$53,050 $53,050$53,050 $70,050
Cottle County, TX $46,950$46,950 $46,950$46,950 $61,950
Crane County, TX $63,900$63,900 $63,900$63,900 $84,350
Crockett County, TX $53,050$53,050 $53,050$53,050 $70,050
Culberson County, TX $46,950$46,950 $46,950$46,950 $61,950
Dallam County, TX $46,950$46,950 $46,950$46,950 $61,950
Dallas, TX HUD Metro FMR Area $66,500$66,500 $66,500$66,500 $87,800
Dawson County, TX $46,950$46,950 $46,950$46,950 $61,950
Deaf Smith County, TX $46,950$46,950 $46,950$46,950 $61,950
Delta County, TX $56,300$56,300 $56,300$56,300 $74,300
DeWitt County, TX $55,050$55,050 $55,050$55,050 $72,650
Dickens County, TX $46,950$46,950 $46,950$46,950 $61,950
Dimmit County, TX $46,950$46,950 $46,950$46,950 $61,950
Donley County, TX $47,600$47,600 $47,600$47,600 $62,850
Duval County, TX $46,950$46,950 $46,950$46,950 $61,950
Eastland County, TX $46,950$46,950 $46,950$46,950 $61,950
Edwards County, TX $50,550$50,550 $50,550$50,550 $66,750
El Paso, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Erath County, TX $46,950$46,950 $46,950$46,950 $61,950
Falls County, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Fannin County, TX $47,700$47,700 $47,700$47,700 $62,950
Fayette County, TX $55,050$55,050 $55,050$55,050 $72,650
Fisher County, TX $47,750$47,750 $47,750$47,750 $63,050
Floyd County, TX $46,950$46,950 $46,950$46,950 $61,950
Foard County, TX $46,950$46,950 $46,950$46,950 $61,950
Fort Worth-Arlington, TX HUD Metro FMR Area $60,800$60,800 $60,800$60,800 $80,250
Franklin County, TX $51,450$51,450 $51,450$51,450 $67,900
Freestone County, TX $46,950$46,950 $46,950$46,950 $61,950
Frio County, TX $46,950$46,950 $46,950$46,950 $61,950
Gaines County, TX $52,950$52,950 $52,950$52,950 $69,900
Garza County, TX $46,950$46,950 $46,950$46,950 $61,950
Gillespie County, TX $58,500$58,500 $58,500$58,500 $77,200
Glasscock County, TX $75,500$75,500 $75,500$75,500 $99,650
Gonzales County, TX $47,700$47,700 $47,700$47,700 $62,950
Gray County, TX $48,500$48,500 $48,500$48,500 $64,000
Grimes County, TX $49,600$49,600 $49,600$49,600 $65,450
Hale County, TX $46,950$46,950 $46,950$46,950 $61,950
Hall County, TX $46,950$46,950 $46,950$46,950 $61,950
Hamilton County, TX $48,500$48,500 $48,500$48,500 $64,000
Hansford County, TX $48,900$48,900 $48,900$48,900 $64,550
Hardeman County, TX $46,950$46,950 $46,950$46,950 $61,950
Harrison County, TX $46,950$46,950 $46,950$46,950 $61,950
Hartley County, TX $63,200$63,200 $63,200$63,200 $83,400
Haskell County, TX $46,950$46,950 $46,950$46,950 $61,950
Hemphill County, TX $58,900$58,900 $58,900$58,900 $77,750
Henderson County, TX $47,700$47,700 $47,700$47,700 $62,950
Hill County, TX $46,950$46,950 $46,950$46,950 $61,950
Hockley County, TX $51,600$51,600 $51,600$51,600 $68,100
Hood County, TX HUD Metro FMR Area $58,250$58,250 $58,250$58,250 $76,900
Hopkins County, TX $46,950$46,950 $46,950$46,950 $61,950
Houston County, TX $46,950$46,950 $46,950$46,950 $61,950
Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area $61,050$61,050 $61,050$61,050 $80,600
Howard County, TX $53,850$53,850 $53,850$53,850 $71,100
Hudspeth County, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Hutchinson County, TX $50,650$50,650 $50,650$50,650 $66,850
Irion County, TX SEA $51,900$51,900 $51,900$51,900 $68,500
Jack County, TX $51,600$51,600 $51,600$51,600 $68,100
Jackson County, TX $58,650$58,650 $58,650$58,650 $77,400
Jasper County, TX $51,200$51,200 $51,200$51,200 $67,600
Jeff Davis County, TX $54,800$54,800 $54,800$54,800 $72,350
Jim Hogg County, TX $46,950$46,950 $46,950$46,950 $61,950
Jim Wells County, TX $46,950$46,950 $46,950$46,950 $61,950
Karnes County, TX $49,600$49,600 $49,600$49,600 $65,450
Kendall County, TX HUD Metro FMR Area $74,950$74,950 $74,950$74,950 $98,950
Kenedy County, TX $48,150$48,150 $48,150$48,150 $63,550
Kent County, TX $54,150$54,150 $54,150$54,150 $71,500
Kerr County, TX $47,700$47,700 $47,700$47,700 $62,950
Killeen-Temple, TX HUD Metro FMR Area $51,100$51,100 $51,100$51,100 $67,450
Kimble County, TX $46,950$46,950 $46,950$46,950 $61,950
King County, TX $65,600$65,600 $65,600$65,600 $86,600
Kinney County, TX $46,950$46,950 $46,950$46,950 $61,950
Kleberg County, TX $46,950$46,950 $46,950$46,950 $61,950
Knox County, TX $46,950$46,950 $46,950$46,950 $61,950
La Salle County, TX $46,950$46,950 $46,950$46,950 $61,950
Lamar County, TX $46,950$46,950 $46,950$46,950 $61,950
Lamb County, TX $46,950$46,950 $46,950$46,950 $61,950
Lampasas County, TX HUD Metro FMR Area $51,750$51,750 $51,750$51,750 $68,300
Laredo, TX MSA $46,950$46,950 $46,950$46,950 $61,950
Lavaca County, TX $48,000$48,000 $48,000$48,000 $63,350
Lee County, TX $56,500$56,500 $56,500$56,500 $74,600
Leon County, TX $50,700$50,700 $50,700$50,700 $66,900
Limestone County, TX $46,950$46,950 $46,950$46,950 $61,950
Lipscomb County, TX $63,450$63,450 $63,450$63,450 $83,750
Live Oak County, TX $47,300$47,300 $47,300$47,300 $62,450
Llano County, TX $51,500$51,500 $51,500$51,500 $68,000
Longview, TX HUD Metro FMR Area $48,250$48,250 $48,250$48,250 $63,700
Loving County, TX $65,350$65,350 $65,350$65,350 $86,250
Lubbock, TX HUD Metro FMR Area $50,550$50,550 $50,550$50,550 $66,750
Lynn County, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Madison County, TX $46,950$46,950 $46,950$46,950 $61,950
Marion County, TX $46,950$46,950 $46,950$46,950 $61,950
Martin County, TX HUD Metro FMR Area $55,050$55,050 $55,050$55,050 $72,650
Mason County, TX $49,450$49,450 $49,450$49,450 $65,250
Matagorda County, TX $46,950$46,950 $46,950$46,950 $61,950
Maverick County, TX $46,950$46,950 $46,950$46,950 $61,950
McAllen-Edinburg-Mission, TX MSA $46,950$46,950 $46,950$46,950 $61,950
McCulloch County, TX $46,950$46,950 $46,950$46,950 $61,950
McMullen County, TX $50,900$50,900 $50,900$50,900 $67,200
Medina County, TX HUD Metro FMR Area $57,750$57,750 $57,750$57,750 $76,250
Menard County, TX $46,950$46,950 $46,950$46,950 $61,950
Midland, TX HUD Metro FMR Area $72,400$72,400 $72,400$72,400 $95,550
Milam County, TX $48,150$48,150 $48,150$48,150 $63,550
Mills County, TX $47,750$47,750 $47,750$47,750 $63,050
Mitchell County, TX $53,100$53,100 $53,100$53,100 $70,100
Montague County, TX $47,200$47,200 $47,200$47,200 $62,300
Moore County, TX $46,950$46,950 $46,950$46,950 $61,950
Morris County, TX $46,950$46,950 $46,950$46,950 $61,950
Motley County, TX $46,950$46,950 $46,950$46,950 $61,950
Nacogdoches County, TX $46,950$46,950 $46,950$46,950 $61,950
Navarro County, TX $46,950$46,950 $46,950$46,950 $61,950
Newton County, TX HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Nolan County, TX $46,950$46,950 $46,950$46,950 $61,950
Ochiltree County, TX $50,900$50,900 $50,900$50,900 $67,200
Odessa, TX MSA $59,100$59,100 $59,100$59,100 $78,000
Oldham County, TX HUD Metro FMR Area $56,100$56,100 $56,100$56,100 $74,050
Palo Pinto County, TX $46,950$46,950 $46,950$46,950 $61,950
Panola County, TX $51,450$51,450 $51,450$51,450 $67,900
Parmer County, TX $46,950$46,950 $46,950$46,950 $61,950
Pecos County, TX $58,500$58,500 $58,500$58,500 $77,200
Polk County, TX $46,950$46,950 $46,950$46,950 $61,950
Presidio County, TX $46,950$46,950 $46,950$46,950 $61,950
Rains County, TX $50,700$50,700 $50,700$50,700 $66,900
Reagan County, TX $61,450$61,450 $61,450$61,450 $81,100
Real County, TX $46,950$46,950 $46,950$46,950 $61,950
Red River County, TX $46,950$46,950 $46,950$46,950 $61,950
Reeves County, TX $48,650$48,650 $48,650$48,650 $64,200
Refugio County, TX $48,500$48,500 $48,500$48,500 $64,000
Roberts County, TX $72,900$72,900 $72,900$72,900 $96,250
Runnels County, TX $46,950$46,950 $46,950$46,950 $61,950
Rusk County, TX HUD Metro FMR Area $47,350$47,350 $47,350$47,350 $62,500
Sabine County, TX $46,950$46,950 $46,950$46,950 $61,950
San Angelo, TX MSA $51,900$51,900 $51,900$51,900 $68,500
San Antonio-New Braunfels, TX HUD Metro FMR Area $56,800$56,800 $56,800$56,800 $75,000
San Augustine County, TX $46,950$46,950 $46,950$46,950 $61,950
San Jacinto County, TX $55,450$55,450 $55,450$55,450 $73,200
San Saba County, TX $46,950$46,950 $46,950$46,950 $61,950
Schleicher County, TX $59,350$59,350 $59,350$59,350 $78,350
Scurry County, TX $56,800$56,800 $56,800$56,800 $75,000
Shackelford County, TX $49,900$49,900 $49,900$49,900 $65,850
Shelby County, TX $46,950$46,950 $46,950$46,950 $61,950
Sherman County, TX $52,950$52,950 $52,950$52,950 $69,900
Sherman-Denison, TX MSA $54,000$54,000 $54,000$54,000 $71,300
Somervell County, TX HUD Metro FMR Area $56,500$56,500 $56,500$56,500 $74,600
Starr County, TX $46,950$46,950 $46,950$46,950 $61,950
Stephens County, TX $46,950$46,950 $46,950$46,950 $61,950
Sterling County, TX $53,600$53,600 $53,600$53,600 $70,750
Stonewall County, TX $53,100$53,100 $53,100$53,100 $70,100
Sutton County, TX $50,000$50,000 $50,000$50,000 $66,000
Swisher County, TX $46,950$46,950 $46,950$46,950 $61,950
Terrell County, TX $46,950$46,950 $46,950$46,950 $61,950
Terry County, TX $46,950$46,950 $46,950$46,950 $61,950
Texarkana, TX-Texarkana, AR HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Throckmorton County, TX $49,700$49,700 $49,700$49,700 $65,600
Titus County, TX $46,950$46,950 $46,950$46,950 $61,950
Trinity County, TX $46,950$46,950 $46,950$46,950 $61,950
Tyler County, TX $49,700$49,700 $49,700$49,700 $65,600
Tyler, TX MSA $56,300$56,300 $56,300$56,300 $74,300
Upton County, TX $53,450$53,450 $53,450$53,450 $70,550
Uvalde County, TX $46,950$46,950 $46,950$46,950 $61,950
Val Verde County, TX $46,950$46,950 $46,950$46,950 $61,950
Van Zandt County, TX $48,400$48,400 $48,400$48,400 $63,900
Victoria, TX MSA $55,450$55,450 $55,450$55,450 $73,200
Waco, TX HUD Metro FMR Area $51,600$51,600 $51,600$51,600 $68,100
Walker County, TX $54,500$54,500 $54,500$54,500 $71,950
Ward County, TX $55,350$55,350 $55,350$55,350 $73,050
Washington County, TX $53,900$53,900 $53,900$53,900 $71,150
Wharton County, TX $46,950$46,950 $46,950$46,950 $61,950
Wheeler County, TX $51,700$51,700 $51,700$51,700 $68,250
Wichita Falls, TX MSA $50,300$50,300 $50,300$50,300 $66,400
Wilbarger County, TX $46,950$46,950 $46,950$46,950 $61,950
Willacy County, TX $46,950$46,950 $46,950$46,950 $61,950
Winkler County, TX $51,500$51,500 $51,500$51,500 $68,000
Wise County, TX HUD Metro FMR Area $56,300$56,300 $56,300$56,300 $74,300
Wood County, TX $47,300$47,300 $47,300$47,300 $62,450
Yoakum County, TX $56,100$56,100 $56,100$56,100 $74,050
Young County, TX $49,850$49,850 $49,850$49,850 $65,800
Zapata County, TX $46,950$46,950 $46,950$46,950 $61,950
Zavala County, TX $46,950$46,950 $46,950$46,950 $61,950

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

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Utah USDA Direct Loan Income Limits – Low Income Loans

USDA Direct Loan Income Limits in Utah

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 Loan RequirementsUSDA 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

Maximum Loan Amounts
Alabama USDA Direct Loan Limits

Alaska USDA Direct Loan Limits
Arizona USDA Direct Loan Limits
Arkansas USDA Direct Loan Limits
California USDA Direct Loan Limits
Colorado USDA Direct Loan Limits
Connecticut USDA Direct Loan Limits
Delaware USDA Direct Loan Limits
Florida USDA Direct Loan Limits
Georgia USDA Direct Loan Limits
Hawaii USDA Direct Loan Limits
Illinois USDA Direct Loan Limits
Idaho USDA Direct Loan Limits
Indiana USDA Direct Loan Limits
Iowa USDA Direct Loan Limits
Kansas USDA Direct Loan Limits
Kentucky USDA Direct Loan Limits
Louisiana USDA Direct Loan Limits
Maine USDA Direct Loan Limits
Maryland USDA Direct Loan Limits
Massachusetts USDA Direct Loan Limits
Michigan USDA Direct Loan Limits
Minnesota USDA Direct Loan Limits
Mississippi USDA Direct Loan Limits
Missouri USDA Direct Loan Limits
Montana USDA Direct Loan Limits
Nebraska USDA Direct Loan Limits
Nevada USDA Direct Loan Limits
New Hampshire USDA Direct Loan Limits
New Jersey USDA Direct Loan Limits
New Mexico USDA Direct Loan Limits
New York USDA Direct Loan Limits
North Carolina USDA Direct Loan Limits
North Dakota USDA Direct Loan Limits
Ohio USDA Direct Loan Limits
Oklahoma USDA Direct Loan Limits
Oregon USDA Direct Loan Limits
Pennsylvania USDA Direct Loan Limits
Rhode Island USDA Direct Loan Limits
South Carolina USDA Direct Loan Limits
South Dakota USDA Direct Loan Limits
Tennessee USDA Direct Loan Limits
Texas USDA Direct Loan Limits
Utah USDA Direct Loan Limits
Vermont USDA Direct Loan Limits
Virginia USDA Direct Loan Limits
Washington USDA Direct Loan Limits
West Virginia USDA Direct Loan Limits
Wisconsin USDA Direct Loan Limits
Wyoming USDA Direct Loan Limits
Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
Arizona USDA Direct Income Limits
Arkansas USDA Direct Income Limits
California USDA Direct Income Limits
Colorado USDA Direct Income Limits
Connecticut USDA Direct Income Limits
Delaware USDA Direct Income Limits
Florida USDA Direct Income Limits
Georgia USDA Direct Income Limits
Hawaii USDA Direct Income Limits
Illinois USDA Direct Income Limits
Idaho USDA Direct Income Limits
Indiana USDA Direct Income Limits
Iowa USDA Direct Income Limits
Kansas USDA Direct Income Limits
Kentucky USDA Direct Income Limits
Louisiana USDA Direct Income Limits
Maine USDA Direct Income Limits
Maryland USDA Direct Income Limits
Massachusetts Direct Income Limits
Michigan USDA Direct Income Limits
Minnesota USDA Direct Income Limits
Mississippi USDA Direct Income Limits
Missouri USDA Direct Income Limits
Montana USDA Direct Income Limits
Nebraska USDA Direct Income Limits
Nevada USDA Direct Income Limits
New Hampshire Direct Income Limits
New Jersey USDA Direct Income Limits
New Mexico USDA Direct Income Limits
New York USDA Direct Income Limits
North Carolina Direct Income Limits
North Dakota USDA Direct Income Limits
Ohio USDA Direct Income Limits
Oklahoma USDA Direct Income Limits
Oregon USDA Direct Income Limits
Pennsylvania USDA Direct Income Limits
Rhode Island USDA Direct Income Limits
South Carolina Direct Income Limits
South Dakota USDA Direct Income Limits
Tennessee USDA Direct Income Limits
Texas USDA Direct Income Limits
Utah USDA Direct Income Limits
Vermont USDA Direct Income Limits
Virginia USDA Direct Income Limits
Washington USDA Direct Income Limits
West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Vermont USDA Direct Loan Income Limits – Low Income Loans

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 Loan RequirementsUSDA 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?

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 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

Maximum Loan Amounts
Alabama USDA Direct Loan Limits

Alaska USDA Direct Loan Limits
Arizona USDA Direct Loan Limits
Arkansas USDA Direct Loan Limits
California USDA Direct Loan Limits
Colorado USDA Direct Loan Limits
Connecticut USDA Direct Loan Limits
Delaware USDA Direct Loan Limits
Florida USDA Direct Loan Limits
Georgia USDA Direct Loan Limits
Hawaii USDA Direct Loan Limits
Illinois USDA Direct Loan Limits
Idaho USDA Direct Loan Limits
Indiana USDA Direct Loan Limits
Iowa USDA Direct Loan Limits
Kansas USDA Direct Loan Limits
Kentucky USDA Direct Loan Limits
Louisiana USDA Direct Loan Limits
Maine USDA Direct Loan Limits
Maryland USDA Direct Loan Limits
Massachusetts USDA Direct Loan Limits
Michigan USDA Direct Loan Limits
Minnesota USDA Direct Loan Limits
Mississippi USDA Direct Loan Limits
Missouri USDA Direct Loan Limits
Montana USDA Direct Loan Limits
Nebraska USDA Direct Loan Limits
Nevada USDA Direct Loan Limits
New Hampshire USDA Direct Loan Limits
New Jersey USDA Direct Loan Limits
New Mexico USDA Direct Loan Limits
New York USDA Direct Loan Limits
North Carolina USDA Direct Loan Limits
North Dakota USDA Direct Loan Limits
Ohio USDA Direct Loan Limits
Oklahoma USDA Direct Loan Limits
Oregon USDA Direct Loan Limits
Pennsylvania USDA Direct Loan Limits
Rhode Island USDA Direct Loan Limits
South Carolina USDA Direct Loan Limits
South Dakota USDA Direct Loan Limits
Tennessee USDA Direct Loan Limits
Texas USDA Direct Loan Limits
Utah USDA Direct Loan Limits
Vermont USDA Direct Loan Limits
Virginia USDA Direct Loan Limits
Washington USDA Direct Loan Limits
West Virginia USDA Direct Loan Limits
Wisconsin USDA Direct Loan Limits
Wyoming USDA Direct Loan Limits
Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
Arizona USDA Direct Income Limits
Arkansas USDA Direct Income Limits
California USDA Direct Income Limits
Colorado USDA Direct Income Limits
Connecticut USDA Direct Income Limits
Delaware USDA Direct Income Limits
Florida USDA Direct Income Limits
Georgia USDA Direct Income Limits
Hawaii USDA Direct Income Limits
Illinois USDA Direct Income Limits
Idaho USDA Direct Income Limits
Indiana USDA Direct Income Limits
Iowa USDA Direct Income Limits
Kansas USDA Direct Income Limits
Kentucky USDA Direct Income Limits
Louisiana USDA Direct Income Limits
Maine USDA Direct Income Limits
Maryland USDA Direct Income Limits
Massachusetts Direct Income Limits
Michigan USDA Direct Income Limits
Minnesota USDA Direct Income Limits
Mississippi USDA Direct Income Limits
Missouri USDA Direct Income Limits
Montana USDA Direct Income Limits
Nebraska USDA Direct Income Limits
Nevada USDA Direct Income Limits
New Hampshire Direct Income Limits
New Jersey USDA Direct Income Limits
New Mexico USDA Direct Income Limits
New York USDA Direct Income Limits
North Carolina Direct Income Limits
North Dakota USDA Direct Income Limits
Ohio USDA Direct Income Limits
Oklahoma USDA Direct Income Limits
Oregon USDA Direct Income Limits
Pennsylvania USDA Direct Income Limits
Rhode Island USDA Direct Income Limits
South Carolina Direct Income Limits
South Dakota USDA Direct Income Limits
Tennessee USDA Direct Income Limits
Texas USDA Direct Income Limits
Utah USDA Direct Income Limits
Vermont USDA Direct Income Limits
Virginia USDA Direct Income Limits
Washington USDA Direct Income Limits
West Virginia USDA Direct Income Limits
Wisconsin USDA Direct Income Limits
Wyoming USDA Direct Income Limits

 

Virginia USDA Direct Loan Income Limits – Low Income Loans

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 Loan RequirementsUSDA 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?

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 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

Maximum Loan Amounts
Alabama USDA Direct Loan Limits

Alaska USDA Direct Loan Limits
Arizona USDA Direct Loan Limits
Arkansas USDA Direct Loan Limits
California USDA Direct Loan Limits
Colorado USDA Direct Loan Limits
Connecticut USDA Direct Loan Limits
Delaware USDA Direct Loan Limits
Florida USDA Direct Loan Limits
Georgia USDA Direct Loan Limits
Hawaii USDA Direct Loan Limits
Illinois USDA Direct Loan Limits
Idaho USDA Direct Loan Limits
Indiana USDA Direct Loan Limits
Iowa USDA Direct Loan Limits
Kansas USDA Direct Loan Limits
Kentucky USDA Direct Loan Limits
Louisiana USDA Direct Loan Limits
Maine USDA Direct Loan Limits
Maryland USDA Direct Loan Limits
Massachusetts USDA Direct Loan Limits
Michigan USDA Direct Loan Limits
Minnesota USDA Direct Loan Limits
Mississippi USDA Direct Loan Limits
Missouri USDA Direct Loan Limits
Montana USDA Direct Loan Limits
Nebraska USDA Direct Loan Limits
Nevada USDA Direct Loan Limits
New Hampshire USDA Direct Loan Limits
New Jersey USDA Direct Loan Limits
New Mexico USDA Direct Loan Limits
New York USDA Direct Loan Limits
North Carolina USDA Direct Loan Limits
North Dakota USDA Direct Loan Limits
Ohio USDA Direct Loan Limits
Oklahoma USDA Direct Loan Limits
Oregon USDA Direct Loan Limits
Pennsylvania USDA Direct Loan Limits
Rhode Island USDA Direct Loan Limits
South Carolina USDA Direct Loan Limits
South Dakota USDA Direct Loan Limits
Tennessee USDA Direct Loan Limits
Texas USDA Direct Loan Limits
Utah USDA Direct Loan Limits
Vermont USDA Direct Loan Limits
Virginia USDA Direct Loan Limits
Washington USDA Direct Loan Limits
West Virginia USDA Direct Loan Limits
Wisconsin USDA Direct Loan Limits
Wyoming USDA Direct Loan Limits
Maximum Applicant Income
Alabama USDA Direct Income Limits

Alaska USDA Direct Income Limits
Arizona USDA Direct Income Limits
Arkansas USDA Direct Income Limits
California USDA Direct Income Limits
Colorado USDA Direct Income Limits
Connecticut USDA Direct Income Limits
Delaware USDA Direct Income Limits
Florida USDA Direct Income Limits
Georgia USDA Direct Income Limits
Hawaii USDA Direct Income Limits
Illinois USDA Direct Income Limits
Idaho USDA Direct Income Limits
Indiana USDA Direct Income Limits
Iowa USDA Direct Income Limits
Kansas USDA Direct Income Limits
Kentucky USDA Direct Income Limits
Louisiana USDA Direct Income Limits
Maine USDA Direct Income Limits
Maryland USDA Direct Income Limits
Massachusetts Direct Income Limits
Michigan USDA Direct Income Limits
Minnesota USDA Direct Income Limits
Mississippi USDA Direct Income Limits
Missouri USDA Direct Income Limits
Montana USDA Direct Income Limits
Nebraska USDA Direct Income Limits
Nevada USDA Direct Income Limits
New Hampshire Direct Income Limits
New Jersey USDA Direct Income Limits
New Mexico USDA Direct Income Limits
New York USDA Direct Income Limits
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Washington USDA Direct Loan Income Limits – Low Income Loans

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 Loan RequirementsUSDA 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?

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 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
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

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