USDA LOAN BENEFITS IN NORTH DAKOTA
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
USDA LOAN ELIGIBILITY IN NORTH DAKOTA
If you live in a community that has around 35,000 people or less than its likely that your community is eligible for a USDA Loan. The communities are defined by the USDA Loan program and are not as clearly defined as city lines. So if you meet the income and credit guidelines, apply for a USDA Loan now and let one of our certified USDA Loan agents do the rest of the work to determine if your home is eligible.
To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in North Dakota.
Income Limits for North Dakota
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Adams | $90,400 | $119,350 |
| Barnes | $90,400 | $119,350 |
| Benson | $90,400 | $119,350 |
| Billings | $90,400 | $119,350 |
| Bottineau | $90,400 | $119,350 |
| Bowman | $90,400 | $122,050 |
| Burke | $90,400 | $119,350 |
| Burleigh | $96,950 | $127,950 |
| Cass | $90,400 | $115,850 |
| Cavalier | $90,850 | $119,900 |
| Dickey | $90,400 | $119,350 |
| Divide | $90,400 | $119,350 |
| Dunn | $92,450 | $122,050 |
| Eddy | $90,400 | $119,350 |
| Emmons | $90,400 | $119,350 |
| Foster | $90,400 | $119,350 |
| Golden Valley | $90,400 | $119,350 |
| Grand Forks | $90,400 | $112,150 |
| Grant | $90,400 | $119,350 |
| Griggs | $90,400 | $119,350 |
| Hettinger | $90,400 | $119,350 |
| Kidder | $90,400 | $119,350 |
| LaMoure | $90,400 | $119,350 |
| Logan | $90,400 | $119,350 |
| McHenry | $90,400 | $119,350 |
| McIntosh | $90,400 | $119,350 |
| McKenzie | $90,850 | $119,900 |
| McLean | $90,400 | $119,350 |
| Mercer | $96,400 | $127,250 |
| Morton | $96,950 | $127,950 |
| Mountrail | $90,850 | $119,900 |
| Nelson | $90,400 | $119,350 |
| Oliver | $96,150 | $119,350 |
| Pembina | $90,400 | $119,350 |
| Pierce | $90,400 | $119,350 |
| Ramsey | $90,400 | $119,350 |
| Ransom | $90,400 | $119,350 |
| Renville | $90,850 | $119,900 |
| Richland | $90,650 | $119,650 |
| Rolette | $90,400 | $119,350 |
| Sargent | $90,400 | $119,350 |
| Sheridan | $90,400 | $119,350 |
| Sioux | $90,400 | $119,350 |
| Slope | $90,650 | $125,550 |
| Stark | $95,100 | $112,150 |
| Steele | $90,400 | $119,350 |
| Stutsman | $90,400 | $119,350 |
| Towner | $90,400 | $119,350 |
| Traill | $90,400 | $119,350 |
| Walsh | $90,400 | $119,350 |
| Ward | $90,400 | $119,350 |
| Wells | $90,400 | $119,350 |
| Williams | $92,450 | $122,050 |
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