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.
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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.
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Alabama USDA Home Loan Income Eligibility Calculator
Use the calculator below to determine your household’s adjusted gross income as calculated by the USDA.
| USDA Home Loan 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 | |
Now that you’ve your calculated adjusted gross income, use the table below to see if your income falls within the USDA’s guaranteed home loan income limits.
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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.
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| 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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