USDA LOAN BENEFITS IN GEORGIA
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 GEORGIA
Although the downtown and heavily populated areas such as Atlanta and Savannah do not qualify for a USDA Loan, there are many areas just outside the city that will be eligible. Areas that qualify for a USDA Loan are not as clearly defined as city lines, so if you meet the credit score minimum and income guidelines please apply and we will do the rest to see if you qualify for a USDA Loan.
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 Georgia.
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Appling | $78,200 | 103,200 |
| Atkinson | $78,200 | $103,200 |
| Bacon | $78,200 | $103,200 |
| Baker | $78,200 | $103,200 |
| Baldwin | $78,200 | $103,200 |
| Banks | $78,200 | $103,200 |
| Barrow | $82,600 | $109,050 |
| Bartow | $82,600 | $109,050 |
| Ben Hill | $78,200 | $103,200 |
| Berrien | $78,200 | $103,200 |
| Bibb | $78,200 | $103,200 |
| Bleckley | $78,200 | $103,200 |
| Brantley | $78,200 | $103,200 |
| Brooks | $78,200 | $103,200 |
| Bryan | $78,200 | $103,200 |
| Bulloch | $78,200 | $103,200 |
| Burke | $78,200 | $103,200 |
| Butts | $78,200 | $103,200 |
| Calhoun | $78,200 | $103,200 |
| Camden | $78,200 | $103,200 |
| Candler | $78,200 | $103,200 |
| Carroll | $82,600 | $109,050 |
| Catoosa | $78,200 | $103,200 |
| Charlton | $78,200 | $103,200 |
| Cha tdam | $78,200 | $103,200 |
| Chattahoochee | $78,200 | $103,200 |
| Chattooga | $78,200 | $103,200 |
| Cherokee | $82,600 | $109,050 |
| Clarke | $78,200 | $103,200 |
| Clay | $78,200 | $103,200 |
| Clayton | $82,600 | $109,050 |
| Clinch | $78,200 | $103,200 |
| Cobb | $82,600 | $109,050 |
| Coffee | $78,200 | $103,200 |
| Colquitt | $78,200 | $103,200 |
| Columbia | $78,200 | $103,200 |
| Cook | $78,200 | $103,200 |
| Coweta | $82,600 | $109,050 |
| Crawford | $78,200 | $103,200 |
| Crisp | $78,200 | $103,200 |
| Dade | $78,200 | $103,200 |
| Dawson | $82,600 | $109,050 |
| Decatur | $78,200 | $103,200 |
| DeKalb | $82,600 | $109,050 |
| Dodge | $78,200 | $103,200 |
| Dooly | $78,200 | $103,200 |
| Dougherty | $78,200 | $103,200 |
| Douglas | $82,600 | $109,050 |
| Early | $78,200 | $103,200 |
| Echols | $78,200 | $103,200 |
| Effingham | $78,200 | $103,200 |
| Elbert | $78,200 | $103,200 |
| Emanuel | $78,200 | $103,200 |
| Evans | $78,200 | $103,200 |
| Fannin | $78,200 | $103,200 |
| Fayette | $82,600 | $109,050 |
| Floyd | $78,200 | $103,200 |
| Forsy td | $82,600 | $109,050 |
| Franklin | $78,200 | $103,200 |
| Fulton | $82,600 | $109,050 |
| Gilmer | $78,200 | $103,200 |
| Glascock | $78,200 | $103,200 |
| Glynn | $78,200 | $103,200 |
| Gordon | $78,200 | $103,200 |
| Grady | $78,200 | $103,200 |
| Greene | $78,200 | $103,200 |
| Gwinnett | $82,600 | $109,050 |
| Habersham | $78,200 | $103,200 |
| Hall | $78,200 | $103,200 |
| Hancock | $78,200 | $103,200 |
| Haralson | $78,200 | $103,200 |
| Harris | $78,200 | $103,200 |
| Hart | $78,200 | $103,200 |
| Heard | $82,600 | $109,050 |
| Henry | $82,600 | $109,050 |
| Houston | $82,100 | $108,350 |
| Irwin | $78,200 | $103,200 |
| Jackson | $78,200 | $103,200 |
| Jasper | $82,600 | $109,050 |
| Jeff Davis | $78,200 | $103,200 |
| Jefferson | $78,200 | $103,200 |
| Jenkins | $78,200 | $103,200 |
| Johnson | $78,200 | $103,200 |
| Jones | $78,200 | $103,200 |
| Lamar | $78,200 | $103,200 |
| Lanier | $78,200 | $103,200 |
| Laurens | $78,200 | $103,200 |
| Lee | $78,200 | $103,200 |
| Liberty | $78,200 | $103,200 |
| Lincoln | $78,200 | $103,200 |
| Long | $78,200 | $103,200 |
| Lowndes | $78,200 | $103,200 |
| Lumpkin | $78,200 | $103,200 |
| Macon | $78,200 | $103,200 |
| Madison | $78,200 | $103,200 |
| Marion | $78,200 | $103,200 |
| McDuffie | $78,200 | $103,200 |
| McIntosh | $78,200 | $103,200 |
| Meriwe tder | $v | $103,200 |
| Miller | $78,200 | $103,200 |
| Mitchell | $78,200 | $103,200 |
| Monroe | $78,200 | $103,200 |
| Montgomery | $78,200 | $103,200 |
| Morgan | $78,200 | $103,200 |
| Murray | $78,200 | $103,200 |
| Muscogee | $78,200 | $103,200 |
| Newton | $82,600 | $109,050 |
| Oconee | $78,200 | $103,200 |
| Ogle tdorpe | $78,200 | $103,200 |
| Paulding | $82,600 | $109,050 |
| Peach | $78,200 | $103,200 |
| Pickens | $82,600 | $109,050 |
| Pierce | $78,200 | $103,200 |
| Pike | $82,600 | $109,050 |
| Polk | $78,200 | $103,200 |
| Pulaski | $78,200 | $103,200 |
| Putnam | $78,200 | $103,200 |
| Quitman | $78,200 | $103,200 |
| Rabun | $78,200 | $103,200 |
| Randolph | $78,200 | $103,200 |
| Richmond | $78,200 | $103,200 |
| Rockdale | $82,600 | $109,050 |
| Schley | $78,200 | $103,200 |
| Screven | $78,200 | $103,200 |
| Seminole | $78,200 | $103,200 |
| Spalding | $82,600 | $109,050 |
| Stephens | $78,200 | $103,200 |
| Stewart | $78,200 | $103,200 |
| Sumter | $78,200 | $103,200 |
| Talbot | $78,200 | $103,200 |
| Taliaferro | $78,200 | $103,200 |
| Tattnall | $78,200 | $103,200 |
| Taylor | $78,200 | $103,200 |
| Telfair | $78,200 | $103,200 |
| Terrell | $78,200 | $103,200 |
| tdomas | $78,200 | $103,200 |
| Tift | $78,200 | $103,200 |
| Toombs | $78,200 | $103,200 |
| Towns | $78,200 | $103,200 |
| Treutlen | $78,200 | $103,200 |
| Troup | $78,200 | $103,200 |
| Turner | $78,200 | $103,200 |
| Twiggs | $78,200 | $103,200 |
| Union | $78,200 | $103,200 |
| Upson | $78,200 | $103,200 |
| Walker | $78,200 | $103,200 |
| Walton | $82,600 | $109,050 |
| Ware | $78,200 | $103,200 |
| Warren | $78,200 | $103,200 |
| Washington | $78,200 | $103,200 |
| Wayne | $78,200 | $103,200 |
| Webster | $78,200 | $103,200 |
| Wheeler | $78,200 | $103,200 |
| White | $78,200 | $103,200 |
| Whitfield | $78,200 | $103,200 |
| Wilcox | $78,200 | $103,200 |
| Wilkes | $78,200 | $103,200 |
| Wilkinson | $78,200 | $103,200 |
| Wor td | $78,200 | $103,200 |
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