USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of Georgia. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in Georgia than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

Georgia USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Albany, GA MSA $42,700$42,700 $42,700$42,700 $56,350
Appling County, GA $41,700$41,700 $41,700$41,700 $55,050
Athens-Clarke County, GA MSA $51,850$51,850 $51,850$51,850 $68,450
Atkinson County, GA $41,700$41,700 $41,700$41,700 $55,050
Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area $63,750$63,750 $63,750$63,750 $84,150
Augusta-Richmond County, GA-SC HUD Metro FMR Area $50,250$50,250 $50,250$50,250 $66,350
Bacon County, GA $41,700$41,700 $41,700$41,700 $55,050
Baldwin County, GA $42,700$42,700 $42,700$42,700 $56,350
Banks County, GA $44,650$44,650 $44,650$44,650 $58,950
Ben Hill County, GA $41,700$41,700 $41,700$41,700 $55,050
Berrien County, GA $41,700$41,700 $41,700$41,700 $55,050
Bleckley County, GA $45,450$45,450 $45,450$45,450 $60,000
Brunswick, GA MSA $48,150$48,150 $48,150$48,150 $63,550
Bulloch County, GA $45,350$45,350 $45,350$45,350 $59,850
Butts County, GA HUD Metro FMR Area $51,750$51,750 $51,750$51,750 $68,300
Calhoun County, GA $41,700$41,700 $41,700$41,700 $55,050
Camden County, GA $52,300$52,300 $52,300$52,300 $69,050
Candler County, GA $41,700$41,700 $41,700$41,700 $55,050
Charlton County, GA $45,900$45,900 $45,900$45,900 $60,600
Chattanooga, TN-GA MSA $54,250$54,250 $54,250$54,250 $71,600
Chattooga County, GA $41,700$41,700 $41,700$41,700 $55,050
Clay County, GA $41,700$41,700 $41,700$41,700 $55,050
Clinch County, GA $41,700$41,700 $41,700$41,700 $55,050
Coffee County, GA $41,700$41,700 $41,700$41,700 $55,050
Colquitt County, GA $41,700$41,700 $41,700$41,700 $55,050
Columbus, GA-AL MSA $47,700$47,700 $47,700$47,700 $62,950
Cook County, GA $41,700$41,700 $41,700$41,700 $55,050
Crisp County, GA $41,700$41,700 $41,700$41,700 $55,050
Dalton, GA HUD Metro FMR Area $43,500$43,500 $43,500$43,500 $57,400
Decatur County, GA $41,700$41,700 $41,700$41,700 $55,050
Dodge County, GA $41,700$41,700 $41,700$41,700 $55,050
Dooly County, GA $41,700$41,700 $41,700$41,700 $55,050
Early County, GA $41,700$41,700 $41,700$41,700 $55,050
Elbert County, GA $41,700$41,700 $41,700$41,700 $55,050
Emanuel County, GA $41,700$41,700 $41,700$41,700 $55,050
Evans County, GA $41,700$41,700 $41,700$41,700 $55,050
Fannin County, GA $42,950$42,950 $42,950$42,950 $56,700
Franklin County, GA $41,700$41,700 $41,700$41,700 $55,050
Gainesville, GA MSA $53,450$53,450 $53,450$53,450 $70,550
Gilmer County, GA $43,900$43,900 $43,900$43,900 $57,950
Glascock County, GA $44,250$44,250 $44,250$44,250 $58,400
Gordon County, GA $42,550$42,550 $42,550$42,550 $56,150
Grady County, GA $41,700$41,700 $41,700$41,700 $55,050
Greene County, GA $46,300$46,300 $46,300$46,300 $61,100
Habersham County, GA $43,200$43,200 $43,200$43,200 $57,000
Hancock County, GA $41,700$41,700 $41,700$41,700 $55,050
Haralson County, GA HUD Metro FMR Area $45,200$45,200 $45,200$45,200 $59,650
Hart County, GA $41,700$41,700 $41,700$41,700 $55,050
Hinesville, GA HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Irwin County, GA $42,900$42,900 $42,900$42,900 $56,650
Jackson County, GA $53,500$53,500 $53,500$53,500 $70,600
Jeff Davis County, GA $41,700$41,700 $41,700$41,700 $55,050
Jefferson County, GA $41,700$41,700 $41,700$41,700 $55,050
Jenkins County, GA $41,700$41,700 $41,700$41,700 $55,050
Johnson County, GA $41,700$41,700 $41,700$41,700 $55,050
Lamar County, GA HUD Metro FMR Area $43,600$43,600 $43,600$43,600 $57,550
Laurens County, GA $41,700$41,700 $41,700$41,700 $55,050
Lincoln County, GA HUD Metro FMR Area $41,700$41,700 $41,700$41,700 $55,050
Long County, GA HUD Metro FMR Area $46,550$46,550 $46,550$46,550 $61,450
Lumpkin County, GA $48,100$48,100 $48,100$48,100 $63,500
Macon County, GA $41,700$41,700 $41,700$41,700 $55,050
Macon, GA HUD Metro FMR Area $44,000$44,000 $44,000$44,000 $58,100
Meriwether County, GA HUD Metro FMR Area $41,700$41,700 $41,700$41,700 $55,050
Miller County, GA $41,700$41,700 $41,700$41,700 $55,050
Mitchell County, GA $41,700$41,700 $41,700$41,700 $55,050
Monroe County, GA HUD Metro FMR Area $51,900$51,900 $51,900$51,900 $68,500
Montgomery County, GA $41,700$41,700 $41,700$41,700 $55,050
Morgan County, GA HUD Metro FMR Area $49,900$49,900 $49,900$49,900 $65,850
Murray County, GA HUD Metro FMR Area $42,000$42,000 $42,000$42,000 $55,450
Peach County, GA HUD Metro FMR Area $46,700$46,700 $46,700$46,700 $61,650
Pierce County, GA $43,100$43,100 $43,100$43,100 $56,900
Polk County, GA $41,700$41,700 $41,700$41,700 $55,050
Pulaski County, GA HUD Metro FMR Area $41,700$41,700 $41,700$41,700 $55,050
Putnam County, GA $48,100$48,100 $48,100$48,100 $63,500
Quitman County, GA $41,700$41,700 $41,700$41,700 $55,050
Rabun County, GA $43,850$43,850 $43,850$43,850 $57,900
Randolph County, GA $41,700$41,700 $41,700$41,700 $55,050
Rome, GA MSA $47,850$47,850 $47,850$47,850 $63,150
Savannah, GA MSA $57,350$57,350 $57,350$57,350 $75,700
Schley County, GA $43,600$43,600 $43,600$43,600 $57,550
Screven County, GA $41,700$41,700 $41,700$41,700 $55,050
Seminole County, GA $41,700$41,700 $41,700$41,700 $55,050
Stephens County, GA $43,300$43,300 $43,300$43,300 $57,150
Stewart County, GA $41,700$41,700 $41,700$41,700 $55,050
Sumter County, GA $41,700$41,700 $41,700$41,700 $55,050
Talbot County, GA $41,700$41,700 $41,700$41,700 $55,050
Taliaferro County, GA $41,700$41,700 $41,700$41,700 $55,050
Tattnall County, GA $41,700$41,700 $41,700$41,700 $55,050
Taylor County, GA $41,700$41,700 $41,700$41,700 $55,050
Telfair County, GA $41,700$41,700 $41,700$41,700 $55,050
Thomas County, GA $41,700$41,700 $41,700$41,700 $55,050
Tift County, GA $41,700$41,700 $41,700$41,700 $55,050
Toombs County, GA $41,700$41,700 $41,700$41,700 $55,050
Towns County, GA $41,700$41,700 $41,700$41,700 $55,050
Treutlen County, GA $47,100$47,100 $47,100$47,100 $62,150
Troup County, GA $43,850$43,850 $43,850$43,850 $57,900
Turner County, GA $41,700$41,700 $41,700$41,700 $55,050
Union County, GA $45,700$45,700 $45,700$45,700 $60,300
Upson County, GA $41,700$41,700 $41,700$41,700 $55,050
Valdosta, GA MSA $43,350$43,350 $43,350$43,350 $57,200
Ware County, GA $41,700$41,700 $41,700$41,700 $55,050
Warner Robins, GA HUD Metro FMR Area $58,950$58,950 $58,950$58,950 $77,800
Warren County, GA $41,700$41,700 $41,700$41,700 $55,050
Washington County, GA $41,700$41,700 $41,700$41,700 $55,050
Wayne County, GA $43,100$43,100 $43,100$43,100 $56,900
Webster County, GA $42,250$42,250 $42,250$42,250 $55,750
Wheeler County, GA $41,700$41,700 $41,700$41,700 $55,050
White County, GA $43,700$43,700 $43,700$43,700 $57,700
Wilcox County, GA $41,700$41,700 $41,700$41,700 $55,050
Wilkes County, GA $41,700$41,700 $41,700$41,700 $55,050
Wilkinson County, GA $42,650$42,650 $42,650$42,650 $56,300

More USDA Direct Loan Limits (Low Income)

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