USDA Guaranteed Loans are the most popular rural development mortgage program in Minnesota. Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.
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Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed Loans are variable, with Minnesota USDA income limits playing a major role. Guaranteed Loan income limits across MN are listed below.
Minnesota USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Aitkin County, MN | $92,600 | $122,250 |
| Becker County, MN | $92,600 | $122,250 |
| Beltrami County, MN | $92,600 | $122,250 |
| Big Stone County, MN | $92,600 | $122,250 |
| Brown County, MN | $92,600 | $122,250 |
| Cass County, MN | $92,600 | $122,250 |
| Chippewa County, MN | $92,600 | $122,250 |
| Clearwater County, MN | $92,600 | $122,250 |
| Cook County, MN | $92,600 | $122,250 |
| Cottonwood County, MN | $92,600 | $122,250 |
| Crow Wing County, MN | $92,600 | $122,250 |
| Douglas County, MN | $92,600 | $122,250 |
| Duluth, MN-WI MSA | $92,600 | $122,250 |
| Fargo, ND-MN MSA | $96,750 | $127,700 |
| Faribault County, MN | $92,600 | $122,250 |
| Fillmore County, MN HUD Metro FMR Area | $92,600 | $122,250 |
| Freeborn County, MN | $92,600 | $122,250 |
| Goodhue County, MN | $94,450 | $124,650 |
| Grand Forks, ND-MN MSA | $95,900 | $126,600 |
| Grant County, MN | $92,600 | $122,250 |
| Hubbard County, MN | $92,600 | $122,250 |
| Itasca County, MN | $92,600 | $122,250 |
| Jackson County, MN | $92,600 | $122,250 |
| Kanabec County, MN | $92,600 | $122,250 |
| Kandiyohi County, MN | $92,600 | $122,250 |
| Kittson County, MN | $92,600 | $122,250 |
| Koochiching County, MN | $92,600 | $122,250 |
| La Crosse-Onalaska, WI-MN MSA | $90,400 | $119,350 |
| Lac qui Parle County, MN | $92,600 | $122,250 |
| Lake County, MN | $92,600 | $122,250 |
| Lake of the Woods County, MN | $92,600 | $122,250 |
| Le Sueur County, MN HUD Metro FMR Area | $92,800 | $122,500 |
| Lincoln County, MN | $92,600 | $122,250 |
| Lyon County, MN | $92,600 | $122,250 |
| Mahnomen County, MN | $92,600 | $122,250 |
| Mankato-North Mankato, MN MSA | $92,600 | $122,250 |
| Marshall County, MN | $92,600 | $122,250 |
| Martin County, MN | $92,600 | $122,250 |
| McLeod County, MN | $92,600 | $122,250 |
| Meeker County, MN | $92,600 | $122,250 |
| Mille Lacs County, MN HUD Metro FMR Area | $92,600 | $122,250 |
| Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area | $108,550 | $143,300 |
| Morrison County, MN | $92,600 | $122,250 |
| Mower County, MN | $92,600 | $122,250 |
| Murray County, MN | $92,600 | $122,250 |
| Nicollet County, MN SEA | $92,600 | $122,250 |
| Nobles County, MN | $92,600 | $122,250 |
| Norman County, MN | $92,600 | $122,250 |
| Otter Tail County, MN | $92,600 | $122,250 |
| Pennington County, MN | $92,600 | $122,250 |
| Pine County, MN | $92,600 | $122,250 |
| Pipestone County, MN | $92,600 | $122,250 |
| Pope County, MN | $92,600 | $122,250 |
| Red Lake County, MN | $92,600 | $122,250 |
| Redwood County, MN | $92,600 | $122,250 |
| Renville County, MN | $92,600 | $122,250 |
| Rice County, MN | $98,750 | $130,350 |
| Rochester, MN HUD Metro FMR Area | $107,900 | $142,450 |
| Rock County, MN | $92,600 | $122,250 |
| Roseau County, MN | $92,600 | $122,250 |
| Sibley County, MN HUD Metro FMR Area | $92,600 | $122,250 |
| St. Cloud, MN MSA | $92,600 | $122,250 |
| Steele County, MN | $92,600 | $122,250 |
| Stevens County, MN | $92,600 | $122,250 |
| Swift County, MN | $92,600 | $122,250 |
| Todd County, MN | $92,600 | $122,250 |
| Traverse County, MN | $92,600 | $122,250 |
| Wabasha County, MN HUD Metro FMR Area | $92,600 | $122,250 |
| Wadena County, MN | $92,600 | $122,250 |
| Waseca County, MN | $92,600 | $122,250 |
| Watonwan County, MN | $92,600 | $122,250 |
| Wilkin County, MN | $92,600 | $122,250 |
| Winona County, MN | $92,600 | $122,250 |
| Yellow Medicine County, MN | $92,600 | $122,250 |
