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 23550 26900 30250 33600 36300 39000 41700 44400
Apply Now LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Fargo, ND-MN MSA
VERY LOW INCOME 27550 31450 35400 39300 42450 45600 48750 51900
Apply Now LOW INCOME 44050 50300 56600 62900 67950 72950 78000 83050
MOD.INC-GUAR.LOAN 90400 90400 90400 90400 119350 119350 119350 119350
Grand Forks, ND-MN MSA
VERY LOW INCOME 27550 31450 35400 39300 42450 45600 48750 51900
Apply Now LOW INCOME 44050 50300 56600 62900 67950 72950 78000 83050
MOD.INC-GUAR.LOAN 90400 90400 90400 90400 119350 119350 119350 119350
La Crosse-Onalaska, WI-MN MSA
VERY LOW INCOME 25200 28800 32400 36000 38900 41800 44650 47550
Apply Now LOW INCOME 40300 46100 51850 57600 62200 66800 71400 76050
MOD.INC-GUAR.LOAN 82800 82800 82800 82800 109300 109300 109300 109300
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 25900 29600 33300 36950 39950 42900 45850 48800
Apply Now LOW INCOME 41350 47300 53200 59100 63850 68550 73300 78000
MOD.INC-GUAR.LOAN 84950 84950 84950 84950 112150 112150 112150 112150
Mille Lacs County, MN HUD Metro FMR Area
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area
VERY LOW INCOME 31650 36200 40700 45200 48850 52450 56050 59700
Apply Now LOW INCOME 47600 54400 61200 68000 73450 78900 84300 89750
MOD.INC-GUAR.LOAN 97750 97750 97750 97750 129050 129050 129050 129050
Sibley County, MN HUD Metro FMR Area
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 83800 83800 83800 83800 110600 110600 110600 110600
Fillmore County, MN HUD Metro FMR Area
VERY LOW INCOME 23850 27250 30650 34050 36800 39500 42250 44950
Apply Now LOW INCOME 38150 43600 49050 54500 58850 63200 67600 71950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Rochester, MN HUD Metro FMR Area
VERY LOW INCOME 31050 35450 39900 44300 47850 51400 54950 58500
Apply Now LOW INCOME 47600 54400 61200 68000 73450 78900 84300 89750
MOD.INC-GUAR.LOAN 97750 97750 97750 97750 129050 129050 129050 129050
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 83800 83800 83800 83800 110600 110600 110600 110600
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 84150 84150 84150 84150 111100 111100 111100 111100
Aitkin County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Becker County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Beltrami County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Big Stone County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Brown County, MN
VERY LOW INCOME 23800 27200 30600 33950 36700 39400 42100 44850
Apply Now LOW INCOME 38000 43450 48850 54300 58650 63000 67350 71700
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Cass County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Chippewa County, MN
VERY LOW INCOME 23650 27000 30400 33750 36450 39150 41850 44550
Apply Now LOW INCOME 37800 43200 48600 54000 58300 62650 66950 71300
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Clearwater County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Cook County, MN
VERY LOW INCOME 22900 26200 29450 32700 35350 37950 40550 43200
Apply Now LOW INCOME 36600 41850 47050 52300 56500 60650 64850 69050
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Cottonwood County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Crow Wing County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Douglas County, MN
VERY LOW INCOME 24100 27550 31000 34400 37200 39950 42700 45450
Apply Now LOW INCOME 38550 44050 49550 55050 59450 63850 68250 72650
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Faribault County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Freeborn County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Goodhue County, MN
VERY LOW INCOME 26450 30200 34000 37750 40800 43800 46850 49850
Apply Now LOW INCOME 42300 48300 54350 60400 65250 70050 74900 79750
MOD.INC-GUAR.LOAN 86850 86850 86850 86850 114650 114650 114650 114650
Grant County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Hubbard County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Itasca County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Jackson County, MN
VERY LOW INCOME 23250 26550 29850 33150 35850 38500 41150 43800
Apply Now LOW INCOME 37150 42450 47750 53050 57300 61550 65800 70050
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Kanabec County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Kandiyohi County, MN
VERY LOW INCOME 23350 26650 30000 33300 36000 38650 41300 44000
Apply Now LOW INCOME 37300 42650 47950 53300 57550 61850 66100 70350
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Kittson County, MN
VERY LOW INCOME 24150 27600 31050 34450 37250 40000 42750 45500
Apply Now LOW INCOME 38550 44100 49600 55100 59500 63900 68300 72750
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Koochiching County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Lac qui Parle County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Lake County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Lake of the Woods County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Lincoln County, MN
VERY LOW INCOME 23000 26300 29600 32850 35500 38150 40750 43400
Apply Now LOW INCOME 36800 42050 47300 52550 56750 60950 65150 69350
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Lyon County, MN
VERY LOW INCOME 25600 29250 32900 36550 39500 42400 45350 48250
Apply Now LOW INCOME 40950 46800 52650 58500 63200 67850 72550 77200
MOD.INC-GUAR.LOAN 84100 84100 84100 84100 111000 111000 111000 111000
Mahnomen County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Marshall County, MN
VERY LOW INCOME 24050 27500 30950 34350 37100 39850 42600 45350
Apply Now LOW INCOME 38450 43950 49450 54950 59350 63750 68150 72550
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Martin County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
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 84950 84950 84950 84950 112150 112150 112150 112150
Meeker County, MN
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Morrison County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Mower County, MN
VERY LOW INCOME 22900 26200 29450 32700 35350 37950 40550 43200
Apply Now LOW INCOME 36600 41850 47050 52300 56500 60650 64850 69050
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Murray County, MN
VERY LOW INCOME 24400 27850 31350 34800 37600 40400 43200 45950
Apply Now LOW INCOME 39000 44550 50150 55700 60150 64600 69050 73500
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Nobles County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Norman County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Otter Tail County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Pennington County, MN
VERY LOW INCOME 23450 26800 30150 33450 36150 38850 41500 44200
Apply Now LOW INCOME 37450 42800 48150 53500 57800 62050 66350 70600
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Pine County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Pipestone County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Pope County, MN
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Red Lake County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Redwood County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Renville County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Rice County, MN
VERY LOW INCOME 26600 30400 34200 38000 41050 44100 47150 50200
Apply Now LOW INCOME 42550 48650 54700 60800 65650 70550 75400 80250
MOD.INC-GUAR.LOAN 87400 87400 87400 87400 115350 115350 115350 115350
Rock County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Roseau County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Steele County, MN
VERY LOW INCOME 26600 30400 34200 37950 41000 44050 47100 50100
Apply Now LOW INCOME 42500 48550 54650 60700 65550 70400 75250 80100
MOD.INC-GUAR.LOAN 87250 87250 87250 87250 115150 115150 115150 115150
Stevens County, MN
VERY LOW INCOME 25800 29500 33200 36850 39800 42750 45700 48650
Apply Now LOW INCOME 41250 47150 53050 58950 63650 68400 73100 77800
MOD.INC-GUAR.LOAN 84750 84750 84750 84750 111850 111850 111850 111850
Swift County, MN
VERY LOW INCOME 23650 27000 30400 33750 36450 39150 41850 44550
Apply Now LOW INCOME 37800 43200 48600 54000 58300 62650 66950 71300
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Todd County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Traverse County, MN
VERY LOW INCOME 23300 26600 29950 33250 35950 38600 41250 43900
Apply Now LOW INCOME 37250 42550 47900 53200 57450 61700 65950 70200
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Wadena County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Waseca County, MN
VERY LOW INCOME 24200 27650 31100 34550 37350 40100 42850 45650
Apply Now LOW INCOME 38700 44250 49750 55300 59700 64150 68550 73000
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Watonwan County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Wilkin County, MN
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600
Winona 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 83800 83800 83800 83800 110600 110600 110600 110600
Yellow Medicine County, MN
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 83800 83800 83800 83800 110600 110600 110600 110600

 

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!