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What is the maximum USDA loan amount?

April 29th, 2016 by Sean Stephens

Is there a maximum USDA loan amount?

In case you did not know, it is true that USDA loans actually have NO loan limits! Since there is not a maximum set sales price for a USDA loan, this can be a powerful option that sometimes gets overlooked.

In today’s video tip, I will explain how guidelines can be flexible when trying to increase your maximum USDA loan amount and overall qualifying ability.

Before we get started, don’t forget to take advantage of our free 2nd opinion service. This is a great way to get an expert opinion and is an excellent tool for helping to make the most of your USDA pre-qualification.

Many look at the USDA program as being available only for smaller loan sizes, but that just is not true.  The USDA program can assist a wide range of potential buyers, with one major benefit being that there is NO maximum USDA loan amount.

maximum USDA loan amount

Because USDA loans do not have loan limits, they can be a great option when compared to either conventional or FHA loans, which both require a minimum required down payment.

While there is no maximum USDA loan amount, they do have healthy income limits which is based on family household size and even those can be increased if the property is located in a USDA high cost county.

Also, remember that because there is NO maximum USDA loan amount, this can open up available property types to also include subdivisions, gated communities, and townhomes, provided they are in a USDA eligible area.  maximum USDA loan amount

In summary, the USDA loans program offers high flexibility due to the following:

  • 100% financing
  • Ability to finance closing costs
  • More flexible credit guidelines than conventional loans
  • And as discussed today – NO maximum USDA loan amount!
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