Kentucky USDA Direct Income Limits 1-4 Persons: $74,150 5+ Persons: $97,900 Kentucky USDA Guaranteed Income Limits 1-4 Persons: $110,650 5+ Persons: $146,050 What’s the Difference between the Guaranteed and Direct USDA loan in Kentucky? Kentucky USDA Direct Loans are intended for low- and very-low-income applicants. Direct loans are processed by the USDA and are tailored for people with incomes typically … Continue reading The difference in Kentucky USDA Direct loans vs. Kentucky USDA Guaranteed Loans