USDA Loans in Georgia

As an approved Georgia USDA Loan lender, Consumer Real Estate
is here to guide you through the application process. Designed to help stimulate growth in Georgia’s smaller, but attractive, communities and regions, these government insured loans can bring your dream of homeownership within reach.

  • Fixed Interest Rates
  • No Maximum Loan Amount
  • Flexible Credit Guidelines for Georgia Residents
  • NO Money Down

Georgia Areas that Qualify for a USDA Loan

While USDA Home Loans are limited to smaller rural areas, you will probably be surprised by the number of communities within the great state of Georgia that do qualify. Even properties that lie right outside of a major metropolitan area may be eligible.

For this reason, you should never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate
are here to help, fill out the Application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

 

Georgia’s USDA Loan Income Limits by County

Your USDA Loan Eligibility is determined by three main factors: Credit Worthiness, Where You Live and Income.

Concerning income restriction, your will need to be able document your past income. This will help the USDA determine if you fall within their income limits range. For Georgia Residents, your income cannot exceed the limit set for your county:

Georgia USDA Loan Adjusted Maximum Income Limits by County
Updated 10/24/2012

 

County Name    

1-4 Person Households
(Guaranteed Loans)

5-8 Person Households 
(Guaranteed Loans)

NON-METRO

APPLING

$74,750

$98,650

DOUGLAS, GA (MICRO)

ATKINSON

$74,750

$98,650

NON-METRO

BACON

$74,750

$98,650

ALBANY, GA (MSA)

BAKER

$74,750

$98,650

MILLEDGEVILLE, GA (MICRO)

BALDWIN

$74,750

$98,650

NON-METRO

BANKS

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

BARROW

$82,600

$109,050

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

BARTOW

$82,600

$109,050

FITZGERALD, GA (MICRO)

BEN HILL

$74,750

$98,650

NON-METRO

BERRIEN

$74,750

$98,650

MACON, GA (MSA)

BIBB

$74,750

$98,650

NON-METRO

BLECKLEY

$74,750

$98,650

BRUNSWICK, GA (MSA)

BRANTLEY

$74,750

$98,650

VALDOSTA, GA (MSA)

BROOKS

$74,750

$98,650

SAVANNAH, GA (MSA)

BRYAN

$74,750

$98,650

STATESBORO, GA (MICRO)

BULLOCH

$74,750

$98,650

AUGUSTA-RICHMOND COUNTY, GA-SC (MSA)

BURKE

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

BUTTS

$82,600

$109,050

NON-METRO

CALHOUN

$74,750

$98,650

ST. MARYS, GA (MICRO)

CAMDEN

$74,750

$98,650

NON-METRO

CANDLER

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

CARROLL

$82,600

$109,050

CHATTANOOGA, TN-GA (MSA)

CATOOSA

$74,750

$98,650

NON-METRO

CHARLTON

$74,750

$98,650

SAVANNAH, GA (MSA)

CHATHAM

$74,750

$98,650

COLUMBUS, GA-AL (MSA)

CHATTAHOOCHEE

$74,750

$98,650

SUMMERVILLE, GA (MICRO)

CHATTOOGA

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

CHEROKEE

$82,600

$109,050

ATHENS-CLARKE COUNTY, GA (MSA)

CLARKE

$74,750

$98,650

NON-METRO

CLAY

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

CLAYTON

$82,600

$109,050

NON-METRO

CLINCH

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

COBB

$82,600

$109,050

DOUGLAS, GA (MICRO)

COFFEE

$74,750

$98,650

MOULTRIE, GA (MICRO)

COLQUITT

$74,750

$98,650

AUGUSTA-RICHMOND COUNTY, GA-SC (MSA)

COLUMBIA

$74,750

$98,650

NON-METRO

COOK

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

COWETA

$82,600

$109,050

MACON, GA (MSA)

CRAWFORD

$74,750

$98,650

CORDELE, GA (MICRO)

CRISP

$74,750

$98,650

CHATTANOOGA, TN-GA (MSA)

DADE

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

DAWSON

$82,600

$109,050

BAINBRIDGE, GA (MICRO)

DECATUR

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

DEKALB

$82,600

$109,050

NON-METRO

DODGE

$74,750

$98,650

NON-METRO

DOOLY

$74,750

$98,650

ALBANY, GA (MSA)

DOUGHERTY

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

DOUGLAS

$82,600

$109,050

NON-METRO

EARLY

$74,750

$98,650

VALDOSTA, GA (MSA)

ECHOLS

$74,750

$98,650

SAVANNAH, GA (MSA)

EFFINGHAM

$74,750

$98,650

NON-METRO

ELBERT

$74,750

$98,650

NON-METRO

EMANUEL

$74,750

$98,650

NON-METRO

EVANS

$74,750

$98,650

NON-METRO

FANNIN

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

FAYETTE

$82,600

$109,050

ROME, GA (MSA)

FLOYD

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

FORSYTH

$82,600

$109,050

NON-METRO

FRANKLIN

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

FULTON

$82,600

$109,050

NON-METRO

GILMER

$74,750

$98,650

NON-METRO

GLASCOCK

$74,750

$98,650

BRUNSWICK, GA (MSA)

GLYNN

$74,750

$98,650

CALHOUN, GA (MICRO)

GORDON

$74,750

$98,650

NON-METRO

GRADY

$74,750

$98,650

NON-METRO

GREENE

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

GWINNETT

$82,650

$109,050

CORNELIA, GA (MICRO)

HABERSHAM

$74,750

$98,650

GAINESVILLE, GA (MSA)

HALL

$74,750

$98,650

MILLEDGEVILLE, GA (MICRO)

HANCOCK

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

HARALSON

$82,600

$109,050

COLUMBUS, GA-AL (MSA)

HARRIS

$74,750

$98,650

NON-METRO

HART

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

HEARD

$82,600

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

HENRY

$82,600

$98,650

WARNER ROBINS, GA (MSA)

HOUSTON

$82,100

$108,350

FITZGERALD, GA (MICRO)

IRWIN

$74,750

$98,650

NON-METRO

JACKSON

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

JASPER

$82,600

$109,050

NON-METRO

JEFF DAVIS

$74,750

$98,650

NON-METRO

JEFFERSON

$74,750

$98,650

NON-METRO

JENKINS

$74,750

$98,650

DUBLIN, GA (MICRO)

JOHNSON

$74,750

$98,650

MACON, GA (MSA)

JONES

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

LAMAR

$82,600

$109,050

VALDOSTA, GA (MSA)

LANIER

$74,750

$98,650

DUBLIN, GA (MICRO)

LAURENS

$74,750

$98,650

ALBANY, GA (MSA)

LEE

$74,750

$98,650

HINESVILLE-FORT STEWART, GA (MSA)

LIBERTY

$74,750

$98,650

NON-METRO

LINCOLN

$74,750

$98,650

HINESVILLE-FORT STEWART, GA (MSA)

LONG

$74,750

$98,650

VALDOSTA, GA (MSA)

LOWNDES

$74,750

$98,650

NON-METRO

LUMPKIN

$74,750

$98,650

NON-METRO

MACON

$74,750

$98,650

ATHENS-CLARKE COUNTY, GA (MSA)

MADISON

$74,750

$98,650

COLUMBUS, GA-AL (MSA)

MARION

$74,750

$98,650

AUGUSTA-RICHMOND COUNTY, GA-SC (MSA)

MCDUFFIE

$74,750

$98,650

BRUNSWICK, GA (MSA)

MCINTOSH

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

MERIWETHER

$82,600

$109,050

NON-METRO

MILLER

$74,750

$98,650

NON-METRO

MITCHELL

$74,750

$98,650

MACON, GA (MSA)

MONROE

$74,750

$98,650

VIDALIA, GA (MICRO)

MONTGOMERY

$74,750

$98,650

NON-METRO

MORGAN

$74,750

$98,650

DALTON, GA (MSA)

MURRAY

$74,750

$98,650

COLUMBUS, GA-AL (MSA)

MUSCOGEE

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

NEWTON

$82,600

$109,050

ATHENS-CLARKE COUNTY, GA (MSA)

OCONEE

$74,750

$98,650

ATHENS-CLARKE COUNTY, GA (MSA)

OGLETHORPE

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

PAULDING

$82,600

$109,050

FORT VALLEY, GA (MICRO)

PEACH

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

PICKENS

$82,600

$109,050

WAYCROSS, GA (MICRO)

PIERCE

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

PIKE

$82,600

$109,050

CEDARTOWN, GA (MICRO)

POLK

$74,750

$98,650

NON-METRO

PULASKI

$74,750

$98,650

NON-METRO

PUTNAM

$74,750

$98,650

EUFAULA, AL-GA (MICRO)

QUITMAN

$74,750

$98,650

NON-METRO

RABUN

$74,750

$98,650

NON-METRO

RANDOLPH

$74,750

$98,650

AUGUSTA-RICHMOND COUNTY, GA-SC (MSA)

RICHMOND

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

ROCKDALE

$82,600

$109,050

AMERICUS, GA (MICRO)

SCHLEY

$74,750

$98,650

NON-METRO

SCREVEN

$74,750

$98,650

NON-METRO

SEMINOLE

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

SPALDING

$82,600

$109,050

TOCCOA, GA (MICRO)

STEPHENS

$74,750

$98,650

NON-METRO

STEWART

$74,750

$98,650

AMERICUS, GA (MICRO)

SUMTER

$74,750

$98,650

NON-METRO

TALBOT

$74,750

$98,650

NON-METRO

TALIAFERRO

$74,750

$98,650

NON-METRO

TATTNALL

$74,750

$98,650

NON-METRO

TAYLOR

$74,750

$98,650

NON-METRO

TELFAIR

$74,750

$98,650

ALBANY, GA (MSA)

TERRELL

$74,750

$98,650

THOMASVILLE, GA (MICRO)

THOMAS

$74,750

$98,650

TIFTON, GA (MICRO)

TIFT

$74,750

$98,650

VIDALIA, GA (MICRO)

TOOMBS

$74,750

$98,650

NON-METRO

TOWNS

$74,750

$98,650

NON-METRO

TREUTLEN

$74,750

$98,650

LAGRANGE, GA (MICRO)

TROUP

$74,750

$98,650

NON-METRO

TURNER

$74,750

$98,650

MACON, GA (MSA)

TWIGGS

$74,750

$98,650

NON-METRO

UNION

$74,750

$98,650

THOMASTON, GA (MICRO)

UPSON

$74,750

$98,650

CHATTANOOGA, TN-GA (MSA)

WALKER

$74,750

$98,650

ATLANTA-SANDY SPRINGS-MARIETTA, GA (MSA)

WALTON

$82,600

$109,050

WAYCROSS, GA (MICRO)

WARE

$74,750

$98,650

NON-METRO

WARREN

$74,750

$98,650

NON-METRO

WASHINGTON

$74,750

$98,650

Remember, Consumer Real Estate is here to answer all your questions. For help applying for a Georgia USDA Loan, contact us today!