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  • Start Your USDA Loan Now!

    USDA Eligibility Is Reviewed - Not Estimated

  • Reviewed by experienced USDA loan specialists - not automated screening or lead routing.
    Direct USDA Lender - No Lead Selling or Third-Party Matching
    Nationwide USDA Lending
    100% Financing Available for Eligible Borrowers
    Full Review of Income, Property, and USDA Guidelines
    Magnolia Bank - NMLS #423028 | Member FDIC

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USDA loans in Alaska

My state-specific information

Eligibility Requirements – Alaska

Residents of Alaska have a unique advantage under the USDA Guaranteed Loan program. Income limits vary depending on whether the property is located on the Alaska road system or in an off-road (remote) area.

For properties located on the road system, the household income limits are:

Alaska USDA Income Limits (Moderate Income – Guaranteed Loan)

Alaska has two income limit tiers due to higher housing costs statewide. Most organized boroughs follow the standard Alaska limit, while certain areas qualify for higher limits.

Area 1–4 Person 5+ Person
Standard Alaska Limit $133,950 $176,850
High-Cost Alaska Areas $212,500 $280,550

USDA income limits in Alaska are based on total household income and household size. This includes income from all adult household members, not just the borrower.

If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).

Check Your Alaska USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Alaska. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate and next steps


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

Important: Alaska USDA income limits vary depending on whether the property is located
on the state road system or in an off-road (remote) area. If you’re unsure which category your property falls under,
contact us and we’ll help determine your eligibility.
  • NO down payment – Finance 100% of your home
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Alaska USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Alaska

USDA Home Loan Features

No money down

For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!

Great interest rates

USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.

Need a 620 credit score

USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.

Affordable 30 year terms

USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.

Roll in your closing costs

A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.

Apply today

Start your USDA Loan now! It only takes 30 seconds to see if you qualify.