USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Washington. 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).
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
Direct Loans are less common in Washington than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.
Wasnington 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 Direct Loan Limits (Low Income)
Maximum Loan Amounts
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Maximum Applicant Income
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