With the help of the USDA Home Loan program, buying a new home in Minnesota just got a tad bit easier. Backed by the U.S government, these no money down, fixed interest rate loans offer 100% financing on qualifying Minnesota homes. And, with the help of the lending experts at Consumer Real Estate Finance Co., you may finally be able to make your dream of homeownership become a reality.

  • No Maximum Loan Amount on Minnesota Property
  • Flexible Credit Guidelines for Qualifying Minnesota Residents
  • Low Fixed Interest Rates
  • Both New and Existing Properties May Qualify

Minnesota Areas that Qualify for Rural Development Loans

One of the biggest hurdles facing the USDA Loans Program (Also referred to as the Rural Development Loan Program) is the perception that these federally backed loans are associated with agriculture. In truth, the Rural Development Loan Program was designed to help build many of the nation’s smaller communities, which means that many Minnesota communities located near larger metropolitan areas are eligible. To qualify, your Minnesota property must be outside of the city limits and located within a community of less than 20,000 people.

If you have more questions about USDA Loan Eligibility, Consumer Real Estate Finance Co. is here to answer all your questions. Our certified loan agents will walk you through the application process and offer advice on USDA Loan eligibility. For more information, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Minnesota’s USDA Loan Income Limits by County

USDA Eligibility restrictions for Minnesota USDA Loans also include the county and zip code the property resides in, as well as, your past credit history and number of dependents.

In addition, because they are designed for families with moderate to lower incomes, the income of homebuyers looking into a Minnesota Rural Development Home Loan cannot exceed their county’s set limit:

Minnesota USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

Quick Scroll
STATE:MINNESOTA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Duluth, MN-WI MSA 		VERY LOW INCOME 25000 28600 32150 35700 38600 41450 44300 47150
Apply Now LOW INCOME 39950 45700 51400 57100 61650 66250 70800 75350
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Fargo, ND-MN MSA 		VERY LOW INCOME 29050 33200 37350 41450 44800 48100 51400 54750
Apply Now LOW INCOME 46400 53050 59650 66300 71600 76900 82200 87500
MOD.INC-GUAR.LOAN 95900 95900 95900 95900 126600 126600 126600 126600
Grand Forks, ND-MN MSA 		VERY LOW INCOME 29050 33200 37350 41450 44800 48100 51400 54750
Apply Now LOW INCOME 46400 53050 59650 66300 71600 76900 82200 87500
MOD.INC-GUAR.LOAN 95900 95900 95900 95900 126600 126600 126600 126600
La Crosse-Onalaska, WI-MN MSA 		VERY LOW INCOME 25350 29000 32600 36200 39100 42000 44900 47800
Apply Now LOW INCOME 40550 46300 52100 57900 62550 67150 71800 76450
MOD.INC-GUAR.LOAN 83250 83250 83250 83250 109900 109900 109900 109900
Mankato-North Mankato, MN MSA 		VERY LOW INCOME 27300 31200 35100 39000 42150 45250 48400 51500
Apply Now LOW INCOME 43700 49900 56150 62400 67400 72400 77400 82350
MOD.INC-GUAR.LOAN 89700 89700 89700 89700 118400 118400 118400 118400
Nicollet County, MN SEA 		VERY LOW INCOME 27300 31200 35100 39000 42150 45250 48400 51500
Apply Now LOW INCOME 43700 49900 56150 62400 67400 72400 77400 82350
MOD.INC-GUAR.LOAN 89700 89700 89700 89700 118400 118400 118400 118400
Le Sueur County, MN HUD Metro FMR Area 		VERY LOW INCOME 26800 30600 34450 38250 41350 44400 47450 50500
Apply Now LOW INCOME 42850 48950 55100 61200 66100 71000 75900 80800
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Mille Lacs County, MN HUD Metro FMR Area 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area 		VERY LOW INCOME 33050 37750 42450 47150 50950 54700 58500 62250
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Sibley County, MN HUD Metro FMR Area 		VERY LOW INCOME 24700 28200 31750 35250 38100 40900 43750 46550
Apply Now LOW INCOME 39500 45100 50750 56400 60900 65400 69950 74450
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Fillmore County, MN HUD Metro FMR Area 		VERY LOW INCOME 24550 28050 31550 35050 37900 40700 43500 46300
Apply Now LOW INCOME 39250 44900 50500 56100 60600 65100 69550 74050
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Rochester, MN HUD Metro FMR Area 		VERY LOW INCOME 31700 36200 40750 45250 48900 52500 56150 59750
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Wabasha County, MN HUD Metro FMR Area 		VERY LOW INCOME 25350 28950 32550 36150 39050 41950 44850 47750
Apply Now LOW INCOME 40500 46300 52050 57850 62500 67100 71750 76350
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
St. Cloud, MN MSA 		VERY LOW INCOME 25650 29300 32950 36600 39550 42500 45400 48350
Apply Now LOW INCOME 41000 46850 52700 58550 63250 67900 72600 77300
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Aitkin County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Becker County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Beltrami County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Big Stone County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Brown County, MN 		VERY LOW INCOME 24650 28150 31650 35150 38000 40800 43600 46400
Apply Now LOW INCOME 39400 45000 50650 56250 60750 65250 69750 74250
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Cass County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Chippewa County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Clearwater County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Cook County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Cottonwood County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Crow Wing County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Douglas County, MN 		VERY LOW INCOME 25100 28650 32250 35800 38700 41550 44400 47300
Apply Now LOW INCOME 40100 45850 51550 57300 61900 66450 71050 75650
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Faribault County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Freeborn County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Goodhue County, MN 		VERY LOW INCOME 27200 31100 35000 38850 42000 45100 48200 51300
Apply Now LOW INCOME 43500 49700 55950 62150 67100 72100 77050 82050
MOD.INC-GUAR.LOAN 89350 89350 89350 89350 117950 117950 117950 117950
Grant County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Hubbard County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Itasca County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Jackson County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Kanabec County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Kandiyohi County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Kittson County, MN 		VERY LOW INCOME 24850 28400 31950 35450 38300 41150 44000 46800
Apply Now LOW INCOME 39700 45350 51050 56700 61250 65750 70300 74850
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Koochiching County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Lac qui Parle County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Lake County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Lake of the Woods County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Lincoln County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Lyon County, MN 		VERY LOW INCOME 26250 30000 33750 37500 40500 43500 46500 49500
Apply Now LOW INCOME 42000 48000 54000 60000 64800 69600 74400 79200
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Mahnomen County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Marshall County, MN 		VERY LOW INCOME 24450 27950 31450 34900 37700 40500 43300 46100
Apply Now LOW INCOME 39100 44700 50250 55850 60300 64800 69250 73700
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Martin County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
McLeod County, MN 		VERY LOW INCOME 25900 29600 33300 36950 39950 42900 45850 48800
Apply Now LOW INCOME 41350 47300 53200 59100 63850 68550 73300 78000
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Meeker County, MN 		VERY LOW INCOME 24950 28500 32050 35600 38450 41300 44150 47000
Apply Now LOW INCOME 39850 45550 51250 56950 61500 66050 70600 75150
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Morrison County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Mower County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Murray County, MN 		VERY LOW INCOME 24750 28300 31850 35350 38200 41050 43850 46700
Apply Now LOW INCOME 39600 45250 50900 56550 61050 65600 70100 74650
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Nobles County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Norman County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Otter Tail County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Pennington County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Pine County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Pipestone County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Pope County, MN 		VERY LOW INCOME 24750 28250 31800 35300 38150 40950 43800 46600
Apply Now LOW INCOME 39550 45200 50850 56500 61000 65550 70050 74600
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Red Lake County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Redwood County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Renville County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Rice County, MN 		VERY LOW INCOME 27350 31250 35150 39050 42200 45300 48450 51550
Apply Now LOW INCOME 43750 50000 56250 62500 67500 72500 77500 82500
MOD.INC-GUAR.LOAN 89850 89850 89850 89850 118600 118600 118600 118600
Rock County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Roseau County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Steele County, MN 		VERY LOW INCOME 27000 30850 34700 38550 41650 44750 47850 50900
Apply Now LOW INCOME 43200 49350 55550 61700 66650 71550 76500 81450
MOD.INC-GUAR.LOAN 88700 88700 88700 88700 117100 117100 117100 117100
Stevens County, MN 		VERY LOW INCOME 26400 30150 33900 37650 40700 43700 46700 49700
Apply Now LOW INCOME 42200 48200 54250 60250 65050 69900 74700 79550
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Swift County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Todd County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Traverse County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Wadena County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Waseca County, MN 		VERY LOW INCOME 25900 29600 33300 36950 39950 42900 45850 48800
Apply Now LOW INCOME 41350 47300 53200 59100 63850 68550 73300 78000
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Watonwan County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Wilkin County, MN 		VERY LOW INCOME 24500 28000 31500 34950 37750 40550 43350 46150
Apply Now LOW INCOME 39150 44700 50300 55900 60350 64850 69300 73800
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Winona County, MN 		VERY LOW INCOME 25700 29350 33000 36650 39600 42550 45450 48400
Apply Now LOW INCOME 41050 46900 52800 58650 63350 68050 72750 77400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Yellow Medicine County, MN 		VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700

 

As a resident of the great state of Minnesota, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at Consumer Real Estate Finance Co. are here to help. Contact us today for assistance!