Searching for a home in South Dakota? Try exploring the advantages of the Rural Development Loan Program. With flexible credit guidelines, fixed interest rates and no down payment, this home buying option is helping South Dakota residents all over the state turn their dreams of homeownership into a reality.

Backed by the United States Department of Agriculture (USDA), these No Money Down Loans offer:

  • 100% Financing Up to the Appraised Value of the South Dakota Property
  • New and Existing Homes are Eligible
  • No Maximum Loan Amount
  • No Money Down and Low Interest Rates

South Dakota Areas that Qualify for a USDA Loan

USDA Loans are not for farmers. Sure they are designed to help build many of South Dakota’s smaller rural areas, but this should not imply that they have anything to do with agriculture. Instead from first time home buyers to residents living right outside of a major city, all types of people and property can qualify for these government-backed loans.

When searching for homes that are USDA Loan Eligible, look for property that is:

  • Located outside of the city limits
  • Located in a community of 20,000 residents or less
From condos to single family residences to everything in between, a South Dakota USDA Loan can be used to purchase all types of homes. For more detailed information on whether the property you are considering is eligible for USDA home loan financing, fill out the Application on this page, or call one of our certified USDA loan agents at 1-866-854-4242 and find out if you’re eligible.

South Dakota’s USDA Loan Income Limits by County

While Consumer Real Estate Finance Co. is here to assist you with all your questions and guide you through the application process, you should be aware that there are a few USDA Eligibility restrictions. These include a credit evaluation as well as a maximum income limit.

Quick Scroll
STATE:SOUTH DAKOTA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Custer County, SD HUD Metro FMR Area
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 82700 82700 82700 82700 109150 109150 109150 109150
Meade County, SD HUD Metro FMR Area
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 82700 82700 82700 82700 109150 109150 109150 109150
Rapid City, SD 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 82700 82700 82700 82700 109150 109150 109150 109150
Union County, SD SEA
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 82700 82700 82700 82700 109150 109150 109150 109150
Sioux Falls, SD MSA
VERY LOW INCOME 27550 31500 35450 39350 42500 45650 48800 51950
Apply Now LOW INCOME 44050 50350 56650 62950 68000 73000 78050 83100
MOD.INC-GUAR.LOAN 90500 90500 90500 90500 119450 119450 119450 119450
Aurora County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Beadle County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Bennett County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Bon Homme County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Brookings County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Brown County, SD
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
Brule County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Buffalo County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Butte County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Campbell County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Charles Mix County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Clark County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Clay County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Codington County, SD
VERY LOW INCOME 24500 28000 31500 35000 37800 40600 43400 46200
Apply Now LOW INCOME 39200 44800 50400 56000 60500 64950 69450 73900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Corson County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Davison County, SD
VERY LOW INCOME 23800 27200 30600 34000 36750 39450 42200 44900
Apply Now LOW INCOME 38100 43500 48950 54400 58750 63100 67450 71800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Day County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Deuel County, SD
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 84300 84300 84300 84300 111300 111300 111300 111300
Dewey County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Douglas County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Edmunds County, SD
VERY LOW INCOME 27100 30950 34800 38650 41750 44850 47950 51050
Apply Now LOW INCOME 43300 49500 55650 61850 66800 71750 76700 81650
MOD.INC-GUAR.LOAN 88900 88900 88900 88900 117350 117350 117350 117350
Fall River County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Faulk County, SD
VERY LOW INCOME 24600 28100 31600 35100 37950 40750 43550 46350
Apply Now LOW INCOME 39300 44900 50550 56150 60650 65150 69650 74100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grant County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Gregory County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Haakon County, SD
VERY LOW INCOME 24150 27600 31050 34500 37300 40050 42800 45550
Apply Now LOW INCOME 38650 44150 49700 55200 59600 64050 68450 72850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hamlin County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Hand County, SD
VERY LOW INCOME 24250 27700 31150 34600 37400 40150 42950 45700
Apply Now LOW INCOME 38750 44300 49800 55350 59800 64200 68650 73050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hanson County, SD
VERY LOW INCOME 25950 29650 33350 37050 40050 43000 45950 48950
Apply Now LOW INCOME 41500 47450 53350 59300 64050 68800 73550 78300
MOD.INC-GUAR.LOAN 85250 85250 85250 85250 112550 112550 112550 112550
Harding County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Hughes County, SD
VERY LOW INCOME 31300 35750 40200 44650 48250 51800 55400 58950
Apply Now LOW INCOME 50000 57150 64300 71450 77150 82900 88600 94300
MOD.INC-GUAR.LOAN 102700 102700 102700 102700 135550 135550 135550 135550
Hutchinson County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Hyde County, SD
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 88000 88000 88000 88000 116150 116150 116150 116150
Jackson County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Jerauld County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Jones County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Kingsbury County, SD
VERY LOW INCOME 24250 27700 31150 34600 37400 40150 42950 45700
Apply Now LOW INCOME 38750 44300 49800 55350 59800 64200 68650 73050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lake County, SD
VERY LOW INCOME 26750 30550 34350 38150 41250 44300 47350 50400
Apply Now LOW INCOME 42750 48850 54950 61050 65950 70800 75700 80600
MOD.INC-GUAR.LOAN 87750 87750 87750 87750 115850 115850 115850 115850
Lawrence County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Lyman County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Marshall County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
McPherson County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Mellette County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Miner County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Moody County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Oglala Lakota County
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 82700 82700 82700 82700 109150 109150 109150 109150
Perkins County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Potter County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Roberts County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Sanborn County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Spink County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Stanley County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Sully County, SD
VERY LOW INCOME 28700 32800 36900 41000 44300 47600 50850 54150
Apply Now LOW INCOME 45900 52500 59050 65600 70850 76100 81350 86600
MOD.INC-GUAR.LOAN 94300 94300 94300 94300 124500 124500 124500 124500
Todd County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Tripp County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Walworth County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150
Yankton County, SD
VERY LOW INCOME 24900 28450 32000 35550 38400 41250 44100 46950
Apply Now LOW INCOME 39850 45500 51200 56900 61450 66000 70550 75100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ziebach County, SD
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 82700 82700 82700 82700 109150 109150 109150 109150

Have more questions or want to get the application process started, Consumer Real Estate Finance Co. is here to help.  Contact us today for assistance with your South Dakota USDA Home Loan.