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West Virginia USDA Direct Loan Income Limits – Low Income Loans

By Spencer Llewellyn at 12:41 am on January 5, 2023

USDA Direct Loan Income Limits in West Virginia

The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in West Virginia aren’t the same thing as USDA Section 502 Guaranteed Loans in West Virginia. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in West Virginia?

USDA Direct Loans in West Virginia are low income loans that can be used to purchase homes in rural areas. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of WV is $46,711, although that figure may vary from county to county. The maximum yearly income limits for West Virginia USDA Direct Loan approval are listed below. Other than meeting West Virginia USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

You have no decent clean, safe, and sanitary housing presently.
You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
You must use this property for your primary residence.
You must possess the legal capacity to be able to contract a loan
You must meet citizenship or eligible noncitizen requirements.
You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

Be a modestly sized home for that area.
Market value can’t be in excess of the areas applicable loan limit.
Can’t be designed for the production of income.

What areas in WV are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in WV here.

How much can I borrow with a USDA Direct Home Loan?

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 West Virginia?

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

West Virginia USDA Direct Loan Maximum Income Limits

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

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)
All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

More USDA Direct Loan Limits

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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

Wisconsin 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 Wisconsin

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

Can I get a USDA Direct Loan in Wisconsin?

USDA Direct Loans in Wisconsin 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 WI is $61,747, although that figure may vary from county to county. The maximum yearly income limits for Wisconsin USDA Direct Loan approval are listed below. Other than meeting Wisconsin 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 WI 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 WI 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 Wisconsin?

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

Wisconsin USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Adams County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Appleton, WI MSA	$67,050	$67,050	$67,050	$67,050	$88,500
Ashland County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Barron County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Bayfield County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Buffalo County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Burnett County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Clark County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Columbia County, WI HUD Metro FMR Area	$62,650	$62,650	$62,650	$62,650	$82,700
Crawford County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Dodge County, WI	$59,750	$59,750	$59,750	$59,750	$78,850
Door County, WI	$57,300	$57,300	$57,300	$57,300	$75,650
Duluth, MN-WI MSA	$57,900	$57,900	$57,900	$57,900	$76,450
Dunn County, WI	$55,300	$55,300	$55,300	$55,300	$73,000
Eau Claire, WI MSA	$58,650	$58,650	$58,650	$58,650	$77,400
Florence County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Fond du Lac, WI MSA	$60,250	$60,250	$60,250	$60,250	$79,550
Forest County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Grant County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Green Bay, WI HUD Metro FMR Area	$65,450	$65,450	$65,450	$65,450	$86,400
Green County, WI HUD Metro FMR Area	$61,500	$61,500	$61,500	$61,500	$81,200
Green Lake County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Iowa County, WI HUD Metro FMR Area	$59,700	$59,700	$59,700	$59,700	$78,800
Iron County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Jackson County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Janesville-Beloit, WI MSA	$54,700	$54,700	$54,700	$54,700	$72,200
Jefferson County, WI	$61,850	$61,850	$61,850	$61,850	$81,650
Juneau County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Kenosha County, WI HUD Metro FMR Area	$65,300	$65,300	$65,300	$65,300	$86,200
La Crosse-Onalaska, WI-MN MSA	$62,900	$62,900	$62,900	$62,900	$83,050
Lafayette County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Langlade County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Lincoln County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Madison, WI HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Manitowoc County, WI	$55,100	$55,100	$55,100	$55,100	$72,750
Marinette County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Marquette County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Menominee County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Milwaukee-Waukesha-West Allis, WI MSA	$65,850	$65,850	$65,850	$65,850	$86,900
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Monroe County, WI	$55,350	$55,350	$55,350	$55,350	$73,050
Oconto County, WI HUD Metro FMR Area	$55,350	$55,350	$55,350	$55,350	$73,050
Oneida County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Oshkosh-Neenah, WI MSA	$62,550	$62,550	$62,550	$62,550	$82,550
Pepin County, WI	$55,700	$55,700	$55,700	$55,700	$73,500
Polk County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Portage County, WI	$61,300	$61,300	$61,300	$61,300	$80,900
Price County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Racine, WI MSA	$60,000	$60,000	$60,000	$60,000	$79,200
Richland County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Rusk County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Sauk County, WI	$56,400	$56,400	$56,400	$56,400	$74,450
Sawyer County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Shawano County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Sheboygan, WI MSA	$61,500	$61,500	$61,500	$61,500	$81,200
Taylor County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Trempealeau County, WI	$56,250	$56,250	$56,250	$56,250	$74,250
Vernon County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Vilas County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Walworth County, WI	$62,650	$62,650	$62,650	$62,650	$82,700
Washburn County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Waupaca County, WI	$54,800	$54,800	$54,800	$54,800	$72,350
Wausau, WI MSA	$58,550	$58,550	$58,550	$58,550	$77,300
Waushara County, WI	$54,700	$54,700	$54,700	$54,700	$72,200
Wood County, WI	$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

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

Wyoming 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 Wyoming

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

Can I get a USDA Direct Loan in Wyoming?

USDA Direct Loans in Wyoming 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 WY is $64,049, although that figure may vary from county to county. The maximum yearly income limits for Wyoming USDA Direct Loan approval are listed below. Other than meeting Wyoming 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 WY 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 WY 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 Wyoming?

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

Wyoming USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Albany County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Big Horn County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Campbell County, WY	$75,500	$75,500	$75,500	$75,500	$99,650
Carbon County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Casper, WY MSA	$64,300	$64,300	$64,300	$64,300	$84,900
Cheyenne, WY MSA	$64,300	$64,300	$64,300	$64,300	$84,900
Converse County, WY	$66,150	$66,150	$66,150	$66,150	$87,300
Crook County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Fremont County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Goshen County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Hot Springs County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Johnson County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Lincoln County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Niobrara County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Park County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Platte County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Sheridan County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Sublette County, WY	$73,900	$73,900	$73,900	$73,900	$97,550
Sweetwater County, WY	$70,650	$70,650	$70,650	$70,650	$93,250
Teton County, WY	$75,500	$75,500	$75,500	$75,500	$99,650
Uinta County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Washakie County, WY	$64,300	$64,300	$64,300	$64,300	$84,900
Weston County, WY	$67,450	$67,450	$67,450	$67,450	$89,050

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)
All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

More USDA Direct Loan Limits

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

Maryland 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 Maryland

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

Can I get a USDA Direct Loan in Maryland?

USDA Direct Loans in Maryland 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 MD is $84,805, although that figure may vary from county to county. The maximum yearly income limits for Maryland USDA Direct Loan approval are listed below. Other than meeting Maryland 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 MD 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 MD 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 Maryland?

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

Maryland USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Baltimore-Columbia-Towson, MD MSA	$75,500	$75,500	$75,500	$75,500	$99,650
California-Lexington Park, MD MSA	$75,500	$75,500	$75,500	$75,500	$99,650
Caroline County, MD	$60,950	$60,950	$60,950	$60,950	$80,450
Cumberland, MD-WV MSA	$60,950	$60,950	$60,950	$60,950	$80,450
Dorchester County, MD	$60,950	$60,950	$60,950	$60,950	$80,450
Garrett County, MD	$60,950	$60,950	$60,950	$60,950	$80,450
Hagerstown, MD HUD Metro FMR Area	$60,950	$60,950	$60,950	$60,950	$80,450
Kent County, MD	$60,950	$60,950	$60,950	$60,950	$80,450
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA	$72,100	$72,100	$72,100	$72,100	$95,150
Salisbury, MD HUD Metro FMR Area	$60,950	$60,950	$60,950	$60,950	$80,450
Somerset County, MD HUD Metro FMR Area	$60,950	$60,950	$60,950	$60,950	$80,450
Talbot County, MD	$64,650	$64,650	$64,650	$64,650	$85,350
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area	$77,600	$77,600	$77,600	$77,600	$102,450
Worcester County, MD HUD Metro FMR Area	$60,950	$60,950	$60,950	$60,950	$80,450

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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Massachusetts 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 Massachusetts

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

Can I get a USDA Direct Loan in Massachusetts?

USDA Direct Loans in Massachusetts 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 MA is $81,215, although that figure may vary from county to county. The maximum yearly income limits for Massachusetts USDA Direct Loan approval are listed below. Other than meeting Massachusetts 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 MA 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 MA 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 Massachusetts?

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

Massachusetts USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Barnstable Town, MA MSA	$73,200	$73,200	$73,200	$73,200	$96,600
Berkshire County, MA (part) HUD Metro FMR Area	$70,950	$70,950	$70,950	$70,950	$93,650
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area	$102,300	$102,300	$102,300	$102,300	$135,050
Brockton, MA HUD Metro FMR Area	$74,000	$74,000	$74,000	$74,000	$97,700
Dukes County, MA	$77,600	$77,600	$77,600	$77,600	$102,450
Eastern Worcester County, MA HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Easton-Raynham, MA HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Fitchburg-Leominster, MA HUD Metro FMR Area	$70,950	$70,950	$70,950	$70,950	$93,650
Franklin County, MA HUD Nonmetro FMR Area	$70,950	$70,950	$70,950	$70,950	$93,650
Lawrence, MA-NH HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Lowell, MA HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Nantucket County, MA	$87,500	$87,500	$87,500	$87,500	$115,500
New Bedford, MA HUD Metro FMR Area	$61,750	$61,750	$61,750	$61,750	$81,500
Pittsfield, MA HUD Metro FMR Area	$70,950	$70,950	$70,950	$70,950	$93,650
Providence-Fall River, RI-MA HUD Metro FMR Area	$65,500	$65,500	$65,500	$65,500	$86,450
Springfield, MA MSA	$70,950	$70,950	$70,950	$70,950	$93,650
Taunton-Mansfield-Norton, MA HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Western Worcester County, MA HUD Metro FMR Area	$70,950	$70,950	$70,950	$70,950	$93,650
Worcester, MA HUD Metro FMR Area	$75,450	$75,450	$75,450	$75,450	$99,600

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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