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 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
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