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 Loan 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

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

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 22550 25750 28950 32150 34750 37300 39900 42450
LOW INCOME 36000 41150 46300 51450 55550 59700 63800 67900
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Fargo ND-MN MSA VERY LOW INCOME 25850 29550 33250 36900 39900 42850 45800 48750
LOW INCOME 41350 47250 53150 59050 63750 68500 73200 77950
MOD.INC-GUAR.LOAN 84900 84900 84900 84900 112050 112050 112050 112050
Grand Forks ND-MN MSA VERY LOW INCOME 24450 27950 31450 34900 37700 40500 43300 46100
LOW INCOME 39100 44700 50250 55850 60300 64800 69250 73700
MOD.INC-GUAR.LOAN 80300 80300 80300 80300 106000 106000 106000 106000
La Crosse WI-MN MSA VERY LOW INCOME 24250 27700 31150 34600 37400 40150 42950 45700
LOW INCOME 38750 44300 49800 55350 59800 64200 68650 73050
MOD.INC-GUAR.LOAN 79550 79550 79550 79550 105000 105000 105000 105000
Mankato-North Mankato MN MSA VERY LOW INCOME 24400 27850 31350 34800 37600 40400 43200 45950
LOW INCOME 39000 44550 50150 55700 60150 64600 69050 73500
MOD.INC-GUAR.LOAN 80050 80050 80050 80050 105650 105650 105650 105650
Nicollet County MN SEA VERY LOW INCOME 24950 28500 32100 35650 38500 41350 44200 47050
LOW INCOME 39950 45650 51350 57050 61600 66200 70750 75300
MOD.INC-GUAR.LOAN 82000 82000 82000 82000 108250 108250 108250 108250
Minneapolis-St. Paul-Bloomington MN-WI MSA VERY LOW INCOME 29400 33600 37800 42000 45400 48750 52100 55450
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Wabasha County MN VERY LOW INCOME 24150 27600 31050 34500 37300 40050 42800 45550
LOW INCOME 38650 44150 49700 55200 59600 64050 68450 72850
MOD.INC-GUAR.LOAN 79350 79350 79350 79350 104750 104750 104750 104750
St. Cloud MN MSA VERY LOW INCOME 24300 27750 31200 34650 37450 40200 43000 45750
LOW INCOME 38800 44350 49900 55450 59900 64300 68750 73200
MOD.INC-GUAR.LOAN 79700 79700 79700 79700 105200 105200 105200 105200
Aitkin County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Becker County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Beltrami County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Big Stone County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Brown County MN VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Cass County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Chippewa County MN VERY LOW INCOME 21900 25000 28150 31250 33750 36250 38750 41250
LOW INCOME 35000 40000 45000 50000 54000 58000 62000 66000
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Clearwater County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Cook County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Cottonwood County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Crow Wing County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Douglas County MN VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Faribault County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Fillmore County MN VERY LOW INCOME 22700 25950 29200 32400 35000 37600 40200 42800
LOW INCOME 36300 41500 46650 51850 56000 60150 64300 68450
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Freeborn County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Goodhue County MN VERY LOW INCOME 25500 29150 32800 36400 39350 42250 45150 48050
LOW INCOME 40800 46600 52450 58250 62900 67550 72250 76900
MOD.INC-GUAR.LOAN 83750 83750 83750 83750 110550 110550 110550 110550
Grant County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Hubbard County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Itasca County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Jackson County MN VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Kanabec County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Kandiyohi County MN VERY LOW INCOME 22750 26000 29250 32500 35100 37700 40300 42900
LOW INCOME 36400 41600 46800 52000 56150 60300 64500 68650
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Kittson County MN VERY LOW INCOME 23700 27100 30500 33850 36600 39300 42000 44700
LOW INCOME 37900 43300 48750 54150 58500 62800 67150 71500
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Koochiching County MN VERY LOW INCOME 21750 24850 27950 31050 33550 36050 38550 41000
LOW INCOME 34800 39750 44750 49700 53700 57650 61650 65600
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Lac qui Parle County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Lake County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Lake of the Woods County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Le Sueur County MN VERY LOW INCOME 25400 29000 32650 36250 39150 42050 44950 47850
LOW INCOME 40600 46400 52200 58000 62650 67300 71900 76550
MOD.INC-GUAR.LOAN 83400 83400 83400 83400 110100 110100 110100 110100
Lincoln County MN VERY LOW INCOME 22250 25400 28600 31750 34300 36850 39400 41950
LOW INCOME 35550 40650 45700 50800 54850 58950 63000 67050
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Lyon County MN VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 79950 79950 79950 79950 105550 105550 105550 105550
Mahnomen County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Marshall County MN VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Martin County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
McLeod County MN VERY LOW INCOME 25800 29450 33150 36800 39750 42700 45650 48600
LOW INCOME 41250 47100 53000 58900 63600 68300 73050 77750
MOD.INC-GUAR.LOAN 84650 84650 84650 84650 111750 111750 111750 111750
Meeker County MN VERY LOW INCOME 22350 25550 28750 31900 34500 37050 39600 42150
LOW INCOME 35750 40850 45950 51050 55150 59200 63300 67400
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Mille Lacs County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Morrison County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Mower County MN VERY LOW INCOME 21750 24850 27950 31050 33550 36050 38550 41000
LOW INCOME 34800 39750 44750 49700 53700 57650 61650 65600
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Murray County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Nobles County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Norman County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Otter Tail County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Pennington County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Pine County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Pipestone County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Pope County MN VERY LOW INCOME 22400 25600 28800 32000 34600 37150 39700 42250
LOW INCOME 35850 40950 46100 51200 55300 59400 63500 67600
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Red Lake County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Redwood County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Renville County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Rice County MN VERY LOW INCOME 26000 29700 33400 37100 40100 43050 46050 49000
LOW INCOME 41550 47500 53400 59350 64100 68850 73600 78350
MOD.INC-GUAR.LOAN 85300 85300 85300 85300 112600 112600 112600 112600
Rock County MN VERY LOW INCOME 21650 24750 27850 30900 33400 35850 38350 40800
LOW INCOME 34600 39550 44500 49450 53400 57350 61300 65250
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Roseau County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Sibley County MN VERY LOW INCOME 22700 25950 29200 32400 35000 37600 40200 42800
LOW INCOME 36300 41500 46650 51850 56000 60150 64300 68450
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Steele County MN VERY LOW INCOME 25850 29550 33250 36900 39900 42850 45800 48750
LOW INCOME 41350 47250 53150 59050 63750 68500 73200 77950
MOD.INC-GUAR.LOAN 84900 84900 84900 84900 112050 112050 112050 112050
Stevens County MN VERY LOW INCOME 24300 27800 31250 34700 37500 40300 43050 45850
LOW INCOME 38850 44400 49950 55500 59950 64400 68800 73250
MOD.INC-GUAR.LOAN 79800 79800 79800 79800 105350 105350 105350 105350
Swift County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Todd County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Traverse County MN VERY LOW INCOME 21700 24800 27900 30950 33450 35950 38400 40900
LOW INCOME 34650 39600 44550 49500 53450 57400 61400 65350
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Wadena County MN VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Waseca County MN VERY LOW INCOME 23500 26850 30200 33550 36250 38950 41650 44300
LOW INCOME 37600 42950 48350 53700 58000 62300 66600 70900
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Watonwan County MN VERY LOW INCOME 21750 24850 27950 31050 33550 36050 38550 41000
LOW INCOME 34800 39750 44750 49700 53700 57650 61650 65600
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Wilkin County MN VERY LOW INCOME 22100 25250 28400 31550 34100 36600 39150 41650
LOW INCOME 35350 40400 45450 50500 54550 58600 62600 66650
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Winona County MN VERY LOW INCOME 23350 26650 30000 33300 36000 38650 41300 44000
LOW INCOME 37300 42650 47950 53300 57550 61850 66100 70350
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Yellow Medicine County MN VERY LOW INCOME 21800 24900 28000 31100 33600 36100 38600 41100
LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65650
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050

 

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!