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Alabama USDA Home Loan

The USDA Home Loan Program offers 100% home financing for those who meet certain income and credit requirements and are financing properties in USDA designated areas. Use the map and tables below to determine your eligibility. Use the contact form to the right to request additional information. -
Alabama USDA Home Loan Location Eligibility
The Alabama USDA Home Loan Program restricts the location of eligible properties. The dark orange areas of the map indicate ineligible locations. The table indicates counties that contain ineligible properties. -
alabama-usda-home-loans
Counties with Ineligible Properties*
Autauga
Dale
Houston
Limestone
Morgan
Shelby
Baldwin
Elmore
Jefferson
Madison
Russell
Talladega
Calhoun
Etowah
Lauderdale
Mobile
St. Clair
Tuscaloosa
Colbert
Henry
Lee
Montgomery



*If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page.

Step 1 - Calculate your qualifying income based on the USDA income guidelines.

Adjusted Gross Income Calculator

STEP 1 - Determine your Income
What is the combined gross annual income of all applicants?
STEP 2 - Determine your Deductions
How many children under the age of 18 live in the home?
How many disabled or handicapped individuals who are not the applicant or co-applicant live in the home?
How many full time students 18 years of age or older live in the home?
How many people 62 years of age or older live in the home?
What are the documentable medical expenses for family members 62 years of age or older living in the home?
What are the documentable childcare expenses for children 12 years of age or older living in the home?
  
Your Household's Adjusted Gross Income

 

Step 2 - Refer to the table below to see if your income falls within the UDSA guidelines.

Alabama USDA Home Loan Income Eligibility

The Alabama USDA Home Loan Program has income eligibility restrictions. Below are the maximum income limits for USDA Home Loans. Find the area in which you would like to purchase a home. Maximum allowable incomes depend on whether you have a 1-4 or 5-8 person household. The USDA allows certain deductions to help you qualify. View The USDA Home Loan Applicant Eligibility Page to determine your adjusted income. Or, use the contact form to the right to request additional information. -


Location 1 to 4 5 to 8 Location 1 to 4 5 to 8 Location 1 to 4 5 to 8
Anniston-Oxford, AL $73,600 $97,150 Covington County, AL $73,600 $97,150 Marengo County, AL $73,600 $97,150
Auburn-Opelika, AL $73,600 $97,150 Crenshaw County, AL $73,600 $97,150 Marion County, AL $73,600 $97,150
Baldwin County, AL $73,600 $97,150 Cullman County, AL $73,600 $97,150 Marshall County, AL $73,600 $97,150
Barbour County, AL $73,600 $97,150 Dale County, AL $73,600 $97,150 Mobile, AL $73,600 $97,150
Birmingham-Hoover, AL $73,600 $97,150 Dallas County, AL $73,600 $97,150 Monroe County, AL $73,600 $97,150
Bullock County, AL $73,600 $97,150 Decatur, AL $73,600 $97,150 Montgomery, AL $73,600 $97,150
Butler County, AL $73,600 $97,150 DeKalb County, AL $73,600 $97,150 Perry County, AL $73,600 $97,150
Chambers County, AL $73,600 $97,150 Dothan, AL $73,600 $97,150 Pickens County, AL $73,600 $97,150
Cherokee County, AL $73,600 $97,150 Escambia County, AL $73,600 $97,150 Pike County, AL $73,600 $97,150
Chilton County, AL $73,600 $97,150 Fayette County, AL $73,600 $97,150 Randolph County, AL $73,600 $97,150
Choctaw County, AL $73,600 $97,150 Florence-Muscle Shoals, AL $73,600 $97,150 Sumter County, AL $73,600 $97,150
Clarke County, AL $73,600 $97,150 Franklin County, AL $73,600 $97,150 Talladega County, AL $73,600 $97,150
Clay County, AL $73,600 $97,150 Gadsden, AL $73,600 $97,150 Tallapoosa County, AL $73,600 $97,150
Cleburne County, AL $73,600 $97,150 Henry County, AL $73,600 $97,150 Tuscaloosa, AL $73,600 $97,150
Coffee County, AL $73,600 $97,150 Huntsville, AL $77,650 $102,500 Walker County, AL $73,600 $97,150
Columbus, GA-AL $73,600 $97,150 Jackson County, AL $73,600 $97,150 Washington County, AL $73,600 $97,150
Conecuh County, AL $73,600 $97,150 Lamar County, AL $73,600 $97,150 Wilcox County, AL $73,600 $97,150
Coosa County, AL $73,600 $97,150 Macon County, AL $73,600 $97,150 Winston County, AL $73,600 $97,150

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