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USDA Loan Income Limits

The Section 502 USDA-backed home loan program was designed specifically to assist low to medium income borrowers achieve low-cost home financing. The program is ideal for those who live in rural or suburban areas and would like to purchase or refinance a home.

However, many automatically assume that since the program is meant for low to medium income borrowers, there is a limit on what homes they can buy. This is incorrect. The USDA does not have set loan limits as with VA or FHA loans, but bases the maximum loan amount on the borrower's ability to qualify.

This adds to the major benefits of USDA Loans by allowing additional properties, such as subdivisions, gated communities and town homes that are located in eligible USDA to be suitable for the program.

USDA Maximum Loan Amounts

As mentioned above, there is no maximum loan limit with the USDA Guaranteed Loan. This means that after filling out a USDA Loan application your preapproved loan amount will be determined by several factors, including:

  • Debt to income ratio
  • Credit Score
  • Assets and income
  • Previous rental or mortgage payment history

USDA Loan Income and Eligibility

Although there is no limit on the maximum amount of the loan, there is a limit on the amount of income a potential borrower can make to be eligible. This limit states that a borrower's income should not exceed 115% of the area's medium income.

The USDA's income requirement is based on your specific county's medium income from the most recent census and is meant to preserve the program for low to medium income borrowers - even though many more qualify. To see the income limit for your area, view the USDA's most recent guaranteed loan income chart here.

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