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. -
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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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