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New York 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 New York

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

Can I get a USDA Direct Loan in New York?

USDA Direct Loans in New York 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 NY is $68,486, although that figure may vary from county to county. The maximum yearly income limits for New York USDA Direct Loan approval are listed below. Other than meeting New York 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 NY 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 NY 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 New York?

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

New York USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Albany-Schenectady-Troy, NY MSA	$71,900	$71,900	$71,900	$71,900	$94,900
Allegany County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Binghamton, NY MSA	$56,400	$56,400	$56,400	$56,400	$74,450
Buffalo-Cheektowaga-Niagara Falls, NY MSA	$61,500	$61,500	$61,500	$61,500	$81,200
Cattaraugus County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Cayuga County, NY	$56,250	$56,250	$56,250	$56,250	$74,250
Chautauqua County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Chenango County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Clinton County, NY	$54,650	$54,650	$54,650	$54,650	$72,150
Columbia County, NY	$63,100	$63,100	$63,100	$63,100	$83,300
Cortland County, NY	$56,500	$56,500	$56,500	$56,500	$74,600
Delaware County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Elmira, NY MSA	$59,200	$59,200	$59,200	$59,200	$78,150
Essex County, NY	$56,250	$56,250	$56,250	$56,250	$74,250
Franklin County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Fulton County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Genesee County, NY	$56,700	$56,700	$56,700	$56,700	$74,850
Glens Falls, NY MSA	$57,100	$57,100	$57,100	$57,100	$75,350
Greene County, NY	$55,100	$55,100	$55,100	$55,100	$72,750
Hamilton County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Ithaca, NY MSA	$67,350	$67,350	$67,350	$67,350	$88,900
Kingston, NY MSA	$66,650	$66,650	$66,650	$66,650	$88,000
Lewis County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Montgomery County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Nassau-Suffolk, NY HUD Metro FMR Area	$88,950	$88,950	$88,950	$88,950	$117,400
New York, NY HUD Metro FMR Area	$85,350	$85,350	$85,350	$85,350	$112,650
Otsego County, NY	$53,350	$53,350	$53,350	$53,350	$70,400
Poughkeepsie-Newburgh-Middletown, NY HUD Metro FMR Area	$75,500	$75,500	$75,500	$75,500	$99,650
Rochester, NY HUD Metro FMR Area	$60,550	$60,550	$60,550	$60,550	$79,950
Rockland County, NY HUD Metro FMR Area	$85,350	$85,350	$85,350	$85,350	$112,650
Schuyler County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Seneca County, NY	$55,200	$55,200	$55,200	$55,200	$72,850
St. Lawrence County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Steuben County, NY	$52,950	$52,950	$52,950	$52,950	$69,900
Sullivan County, NY	$59,850	$59,850	$59,850	$59,850	$79,000
Syracuse, NY MSA	$63,600	$63,600	$63,600	$63,600	$83,950
Utica-Rome, NY MSA	$56,300	$56,300	$56,300	$56,300	$74,300
Watertown-Fort Drum, NY MSA	$54,250	$54,250	$54,250	$54,250	$71,600
Westchester County, NY Statutory Exception Area	$82,800	$82,800	$82,800	$82,800	$109,300
Wyoming County, NY	$54,800	$54,800	$54,800	$54,800	$72,350
Yates County, NY HUD Metro FMR Area	$55,300	$55,300	$55,300	$55,300	$73,000

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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North 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 North 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 North Carolina aren’t the same thing as USDA Section 502 Guaranteed Loans in North 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 North Carolina?

USDA Direct Loans in North 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 NC is $54,602, although that figure may vary from county to county. The maximum yearly income limits for North Carolina USDA Direct Loan approval are listed below. Other than meeting North 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 NC 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 NC 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 North Carolina?

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

North Carolina USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Alleghany County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Anson County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Ashe County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Asheville, NC HUD Metro FMR Area	$53,100	$53,100	$53,100	$53,100	$70,100
Avery County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Beaufort County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Bertie County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Bladen County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Brunswick County, NC HUD Metro FMR Area	$53,050	$53,050	$53,050	$53,050	$70,050
Burlington, NC MSA	$48,500	$48,500	$48,500	$48,500	$64,000
Camden County, NC	$60,250	$60,250	$60,250	$60,250	$79,550
Carteret County, NC	$55,050	$55,050	$55,050	$55,050	$72,650
Caswell County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area	$63,200	$63,200	$63,200	$63,200	$83,400
Cherokee County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Chowan County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Clay County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Cleveland County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Columbus County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Craven County, NC HUD Metro FMR Area	$51,700	$51,700	$51,700	$51,700	$68,250
Dare County, NC	$56,150	$56,150	$56,150	$56,150	$74,100
Davidson County, NC HUD Metro FMR Area	$48,400	$48,400	$48,400	$48,400	$63,900
Duplin County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Durham-Chapel Hill, NC HUD Metro FMR Area	$67,850	$67,850	$67,850	$67,850	$89,550
Fayetteville, NC HUD Metro FMR Area	$44,150	$44,150	$44,150	$44,150	$58,300
Gates County, NC HUD Metro FMR Area	$51,200	$51,200	$51,200	$51,200	$67,600
Goldsboro, NC MSA	$46,800	$46,800	$46,800	$46,800	$61,800
Graham County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Granville County, NC	$50,650	$50,650	$50,650	$50,650	$66,850
Greene County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Greensboro-High Point, NC HUD Metro FMR Area	$49,050	$49,050	$49,050	$49,050	$64,750
Greenville, NC MSA	$53,100	$53,100	$53,100	$53,100	$70,100
Halifax County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Harnett County, NC	$51,350	$51,350	$51,350	$51,350	$67,800
Haywood County, NC HUD Metro FMR Area	$46,900	$46,900	$46,900	$46,900	$61,900
Hertford County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Hickory-Lenoir-Morganton, NC MSA	$44,150	$44,150	$44,150	$44,150	$58,300
Hoke County, NC HUD Metro FMR Area	$44,700	$44,700	$44,700	$44,700	$59,000
Hyde County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Iredell County, NC HUD Metro FMR Area	$58,400	$58,400	$58,400	$58,400	$77,100
Jackson County, NC	$44,900	$44,900	$44,900	$44,900	$59,250
Jacksonville, NC MSA	$46,100	$46,100	$46,100	$46,100	$60,850
Jones County, NC HUD Metro FMR Area	$44,150	$44,150	$44,150	$44,150	$58,300
Lee County, NC	$48,700	$48,700	$48,700	$48,700	$64,300
Lenoir County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Lincoln County, NC HUD Metro FMR Area	$51,300	$51,300	$51,300	$51,300	$67,700
Macon County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Martin County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
McDowell County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Mitchell County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Montgomery County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Moore County, NC	$58,300	$58,300	$58,300	$58,300	$76,950
Northampton County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Pamlico County, NC HUD Metro FMR Area	$47,450	$47,450	$47,450	$47,450	$62,650
Pasquotank County, NC	$47,450	$47,450	$47,450	$47,450	$62,650
Pender County, NC HUD Metro FMR Area	$49,500	$49,500	$49,500	$49,500	$65,350
Perquimans County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Person County, NC HUD Metro FMR Area	$46,550	$46,550	$46,550	$46,550	$61,450
Polk County, NC	$47,300	$47,300	$47,300	$47,300	$62,450
Raleigh, NC MSA	$74,150	$74,150	$74,150	$74,150	$97,900
Richmond County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Robeson County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Rockingham County, NC HUD Metro FMR Area	$44,150	$44,150	$44,150	$44,150	$58,300
Rocky Mount, NC MSA	$44,150	$44,150	$44,150	$44,150	$58,300
Rowan County, NC HUD Metro FMR Area	$51,300	$51,300	$51,300	$51,300	$67,700
Rutherford County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Sampson County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Scotland County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Stanly County, NC	$49,300	$49,300	$49,300	$49,300	$65,100
Surry County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Swain County, NC	$44,800	$44,800	$44,800	$44,800	$59,150
Transylvania County, NC	$45,350	$45,350	$45,350	$45,350	$59,850
Tyrrell County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Vance County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are	$63,450	$63,450	$63,450	$63,450	$83,750
Warren County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Washington County, NC	$44,150	$44,150	$44,150	$44,150	$58,300
Watauga County, NC	$52,250	$52,250	$52,250	$52,250	$68,950
Wilkes County, NC	$44,700	$44,700	$44,700	$44,700	$59,000
Wilmington, NC HUD Metro FMR Area	$58,250	$58,250	$58,250	$58,250	$76,900
Wilson County, NC	$45,350	$45,350	$45,350	$45,350	$59,850
Winston-Salem, NC HUD Metro FMR Area	$50,000	$50,000	$50,000	$50,000	$66,000
Yancey County, NC	$44,150	$44,150	$44,150	$44,150	$58,300

More USDA Loan Resources

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

More USDA Direct Loan Limits

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

North 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 North 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 North Dakota aren’t the same thing as USDA Section 502 Guaranteed Loans in North 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 North Dakota?

USDA Direct Loans in North 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 ND is $64,894, although that figure may vary from county to county. The maximum yearly income limits for North Dakota USDA Direct Loan approval are listed below. Other than meeting North 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 ND 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 ND 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 North Dakota?

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

North Dakota USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Adams County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Barnes County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Benson County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Billings County, ND	$75,500	$75,500	$75,500	$75,500	$99,650
Bismarck, ND HUD Metro FMR Area	$73,600	$73,600	$73,600	$73,600	$97,150
Bottineau County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Bowman County, ND	$74,500	$74,500	$74,500	$74,500	$98,350
Burke County, ND	$70,100	$70,100	$70,100	$70,100	$92,550
Cavalier County, ND	$68,950	$68,950	$68,950	$68,950	$91,000
Dickey County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Divide County, ND	$72,950	$72,950	$72,950	$72,950	$96,300
Dunn County, ND	$72,550	$72,550	$72,550	$72,550	$95,750
Eddy County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Emmons County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Fargo, ND-MN MSA	$67,300	$67,300	$67,300	$67,300	$88,850
Foster County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Golden Valley County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Grand Forks, ND-MN MSA	$66,300	$66,300	$66,300	$66,300	$87,500
Grant County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Griggs County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Hettinger County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Kidder County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
LaMoure County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Logan County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
McHenry County, ND	$70,250	$70,250	$70,250	$70,250	$92,750
McIntosh County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
McKenzie County, ND	$75,500	$75,500	$75,500	$75,500	$99,650
McLean County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Mercer County, ND	$73,750	$73,750	$73,750	$73,750	$97,350
Mountrail County, ND	$67,700	$67,700	$67,700	$67,700	$89,350
Nelson County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Oliver County, ND HUD Metro FMR Area	$67,750	$67,750	$67,750	$67,750	$89,450
Pembina County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Pierce County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Ramsey County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Ransom County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Renville County, ND	$70,700	$70,700	$70,700	$70,700	$93,300
Richland County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Rolette County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Sargent County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Sheridan County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Sioux County, ND HUD Metro FMR Area	$66,300	$66,300	$66,300	$66,300	$87,500
Slope County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Stark County, ND	$75,500	$75,500	$75,500	$75,500	$99,650
Steele County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Stutsman County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Towner County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Traill County, ND	$68,500	$68,500	$68,500	$68,500	$90,400
Walsh County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Ward County, ND	$69,700	$69,700	$69,700	$69,700	$92,000
Wells County, ND	$66,300	$66,300	$66,300	$66,300	$87,500
Williams County, ND	$75,500	$75,500	$75,500	$75,500	$99,650

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

More USDA Direct Loan Limits

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Ohio USDA Direct Loan Income Limits – Low Income Loans

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

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

Can I get a USDA Direct Loan in Ohio?

USDA Direct Loans in Ohio 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 OH is $56,602, although that figure may vary from county to county. The maximum yearly income limits for Ohio USDA Direct Loan approval are listed below. Other than meeting Ohio 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 OH 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 OH 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 Ohio?

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

Ohio USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Adams County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Akron, OH MSA	$58,550	$58,550	$58,550	$58,550	$77,300
Ashland County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Ashtabula County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Athens County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Auglaize County, OH	$58,550	$58,550	$58,550	$58,550	$77,300
Brown County, OH HUD Metro FMR Area	$52,300	$52,300	$52,300	$52,300	$69,050
Canton-Massillon, OH MSA	$52,900	$52,900	$52,900	$52,900	$69,850
Champaign County, OH	$54,000	$54,000	$54,000	$54,000	$71,300
Cincinnati, OH-KY-IN HUD Metro FMR Area	$65,050	$65,050	$65,050	$65,050	$85,850
Cleveland-Elyria, OH MSA	$58,950	$58,950	$58,950	$58,950	$77,800
Clinton County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Columbiana County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Columbus, OH HUD Metro FMR Area	$62,400	$62,400	$62,400	$62,400	$82,350
Coshocton County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Crawford County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Darke County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Dayton, OH MSA	$56,500	$56,500	$56,500	$56,500	$74,600
Defiance County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Erie County, OH	$55,050	$55,050	$55,050	$55,050	$72,650
Fayette County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Gallia County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Guernsey County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Hancock County, OH	$59,200	$59,200	$59,200	$59,200	$78,150
Hardin County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Harrison County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Henry County, OH	$56,250	$56,250	$56,250	$56,250	$74,250
Highland County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Hocking County, OH HUD Metro FMR Area	$52,300	$52,300	$52,300	$52,300	$69,050
Holmes County, OH	$52,500	$52,500	$52,500	$52,500	$69,300
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area	$45,100	$45,100	$45,100	$45,100	$59,550
Huron County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Jackson County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Knox County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Lima, OH MSA	$52,300	$52,300	$52,300	$52,300	$69,050
Logan County, OH	$52,550	$52,550	$52,550	$52,550	$69,350
Mansfield, OH MSA	$52,300	$52,300	$52,300	$52,300	$69,050
Marion County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Meigs County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Mercer County, OH	$58,500	$58,500	$58,500	$58,500	$77,200
Monroe County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Morgan County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Muskingum County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Noble County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Ottawa County, OH	$56,700	$56,700	$56,700	$56,700	$74,850
Paulding County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Perry County, OH HUD Metro FMR Area	$52,300	$52,300	$52,300	$52,300	$69,050
Pike County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Preble County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Putnam County, OH	$60,800	$60,800	$60,800	$60,800	$80,250
Ross County, OH	$52,700	$52,700	$52,700	$52,700	$69,550
Sandusky County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Scioto County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Seneca County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Shelby County, OH	$57,450	$57,450	$57,450	$57,450	$75,850
Springfield, OH MSA	$52,300	$52,300	$52,300	$52,300	$69,050
Toledo, OH MSA	$55,100	$55,100	$55,100	$55,100	$72,750
Tuscarawas County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Union County, OH HUD Metro FMR Area	$69,750	$69,750	$69,750	$69,750	$92,050
Van Wert County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Vinton County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Washington County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Wayne County, OH	$54,900	$54,900	$54,900	$54,900	$72,450
Weirton-Steubenville, WV-OH MSA	$52,300	$52,300	$52,300	$52,300	$69,050
Wheeling, WV-OH MSA	$52,150	$52,150	$52,150	$52,150	$68,850
Williams County, OH	$52,300	$52,300	$52,300	$52,300	$69,050
Wyandot County, OH	$52,550	$52,550	$52,550	$52,550	$69,350
Youngstown-Warren-Boardman, OH HUD Metro FMR Area	$52,300	$52,300	$52,300	$52,300	$69,050

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

Oklahoma 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 Oklahoma

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

Can I get a USDA Direct Loan in Oklahoma?

USDA Direct Loans in Oklahoma 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 OK is $52,919, although that figure may vary from county to county. The maximum yearly income limits for Oklahoma USDA Direct Loan approval are listed below. Other than meeting Oklahoma 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 OK 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 OK 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 Oklahoma?

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

Oklahoma USDA Direct Loan Maximum Income Limits

Area	1 Person	2 Person	3 Person	4 Person	5 Person
Adair County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Alfalfa County, OK	$53,050	$53,050	$53,050	$53,050	$70,050
Atoka County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Beaver County, OK	$52,400	$52,400	$52,400	$52,400	$69,150
Beckham County, OK	$54,150	$54,150	$54,150	$54,150	$71,500
Blaine County, OK	$46,950	$46,950	$46,950	$46,950	$61,950
Bryan County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Caddo County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Carter County, OK	$50,250	$50,250	$50,250	$50,250	$66,350
Cherokee County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Choctaw County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Cimarron County, OK	$47,450	$47,450	$47,450	$47,450	$62,650
Coal County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Cotton County, OK HUD Metro FMR Area	$49,300	$49,300	$49,300	$49,300	$65,100
Craig County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Custer County, OK	$47,750	$47,750	$47,750	$47,750	$63,050
Delaware County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Dewey County, OK	$51,500	$51,500	$51,500	$51,500	$68,000
Ellis County, OK	$58,100	$58,100	$58,100	$58,100	$76,700
Enid, OK MSA	$51,050	$51,050	$51,050	$51,050	$67,400
Fort Smith, AR-OK HUD Metro FMR Area	$42,300	$42,300	$42,300	$42,300	$55,850
Garvin County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Grady County, OK HUD Metro FMR Area	$54,000	$54,000	$54,000	$54,000	$71,300
Grant County, OK	$55,500	$55,500	$55,500	$55,500	$73,250
Greer County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Harmon County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Harper County, OK	$55,300	$55,300	$55,300	$55,300	$73,000
Haskell County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Hughes County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Jackson County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Jefferson County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Johnston County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Kay County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Kingfisher County, OK	$59,600	$59,600	$59,600	$59,600	$78,650
Kiowa County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Latimer County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Lawton, OK HUD Metro FMR Area	$54,100	$54,100	$54,100	$54,100	$71,400
Le Flore County, OK HUD Metro FMR Area	$45,600	$45,600	$45,600	$45,600	$60,200
Lincoln County, OK HUD Metro FMR Area	$47,850	$47,850	$47,850	$47,850	$63,150
Love County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Major County, OK	$53,750	$53,750	$53,750	$53,750	$70,950
Marshall County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Mayes County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
McCurtain County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
McIntosh County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Murray County, OK	$52,550	$52,550	$52,550	$52,550	$69,350
Muskogee County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Noble County, OK	$53,100	$53,100	$53,100	$53,100	$70,100
Nowata County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Okfuskee County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Oklahoma City, OK HUD Metro FMR Area	$59,050	$59,050	$59,050	$59,050	$77,950
Okmulgee County, OK HUD Metro FMR Area	$45,600	$45,600	$45,600	$45,600	$60,200
Ottawa County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Pawnee County, OK HUD Metro FMR Area	$46,950	$46,950	$46,950	$46,950	$61,950
Payne County, OK	$49,850	$49,850	$49,850	$49,850	$65,800
Pittsburg County, OK	$46,150	$46,150	$46,150	$46,150	$60,900
Pontotoc County, OK	$48,250	$48,250	$48,250	$48,250	$63,700
Pottawatomie County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Pushmataha County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Roger Mills County, OK	$54,800	$54,800	$54,800	$54,800	$72,350
Seminole County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Stephens County, OK	$48,250	$48,250	$48,250	$48,250	$63,700
Texas County, OK	$48,800	$48,800	$48,800	$48,800	$64,400
Tillman County, OK	$45,600	$45,600	$45,600	$45,600	$60,200
Tulsa, OK HUD Metro FMR Area	$55,750	$55,750	$55,750	$55,750	$73,600
Washington County, OK	$52,400	$52,400	$52,400	$52,400	$69,150
Washita County, OK	$49,450	$49,450	$49,450	$49,450	$65,250
Woods County, OK	$64,900	$64,900	$64,900	$64,900	$85,650
Woodward County, OK	$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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