Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply.
This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
Rural Home Loan Max Loan Amounts
A very common question regarding USDA Loans is about the maximum loan size or loan amount. The short answer is that there is not a maximum loan amount. However, this answer isn't completely explanatory. While there is no maximum price, there are other factors that determine whether or not a buyer can afford a particular house. Since USDA Home Loans have maximum income requirements, borrowers will reach a threshold based on their debt-to-income ratio. For example, a family of four that has a combined income of $30k per year would not be able to afford a $500k home because their debt-to-income would be too high. Individuals with enough income to support this type of loan size would likely exceed USDA's maximum income limits, thus disqualifying them for a USDA Loan. Since the maximum household income requirements do vary geographically, income thresholds change for people in different parts of the country, so the debt-to-income standards are based on the given area's figures.