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 $39,500$39,500 $39,500$39,500 $52,150
Appling County, GA $37,900$37,900 $37,900$37,900 $50,050
Athens-Clarke County, GA MSA $47,500$47,500 $47,500$47,500 $62,700
Atkinson County, GA $37,100$37,100 $37,100$37,100 $49,000
Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area $57,450$57,450 $57,450$57,450 $75,850
Augusta-Richmond County, GA-SC HUD Metro FMR Area $47,300$47,300 $47,300$47,300 $62,450
Bacon County, GA $39,200$39,200 $39,200$39,200 $51,750
Baldwin County, GA $42,300$42,300 $42,300$42,300 $55,850
Banks County, GA $44,650$44,650 $44,650$44,650 $58,950
Ben Hill County, GA $37,100$37,100 $37,100$37,100 $49,000
Berrien County, GA $37,100$37,100 $37,100$37,100 $49,000
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 $37,850$37,850 $37,850$37,850 $49,950
Camden County, GA $52,300$52,300 $52,300$52,300 $69,050
Candler County, GA $37,100$37,100 $37,100$37,100 $49,000
Charlton County, GA $41,100$41,100 $41,100$41,100 $54,250
Chattanooga, TN-GA MSA $48,950$48,950 $48,950$48,950 $64,600
Chattooga County, GA $37,100$37,100 $37,100$37,100 $49,000
Clay County, GA $37,100$37,100 $37,100$37,100 $49,000
Clinch County, GA $37,900$37,900 $37,900$37,900 $50,050
Coffee County, GA $37,100$37,100 $37,100$37,100 $49,000
Colquitt County, GA $37,100$37,100 $37,100$37,100 $49,000
Columbus, GA-AL MSA $43,200$43,200 $43,200$43,200 $57,000
Cook County, GA $40,150$40,150 $40,150$40,150 $53,000
Crisp County, GA $37,100$37,100 $37,100$37,100 $49,000
Dalton, GA HUD Metro FMR Area $42,300$42,300 $42,300$42,300 $55,850
Decatur County, GA $37,900$37,900 $37,900$37,900 $50,050
Dodge County, GA $39,700$39,700 $39,700$39,700 $52,400
Dooly County, GA $37,100$37,100 $37,100$37,100 $49,000
Early County, GA $37,100$37,100 $37,100$37,100 $49,000
Elbert County, GA $37,100$37,100 $37,100$37,100 $49,000
Emanuel County, GA $37,100$37,100 $37,100$37,100 $49,000
Evans County, GA $38,500$38,500 $38,500$38,500 $50,800
Fannin County, GA $37,100$37,100 $37,100$37,100 $49,000
Franklin County, GA $39,100$39,100 $39,100$39,100 $51,650
Gainesville, GA MSA $49,600$49,600 $49,600$49,600 $65,450
Gilmer County, GA $38,550$38,550 $38,550$38,550 $50,900
Glascock County, GA $41,050$41,050 $41,050$41,050 $54,200
Gordon County, GA $42,550$42,550 $42,550$42,550 $56,150
Grady County, GA $37,100$37,100 $37,100$37,100 $49,000
Greene County, GA $41,600$41,600 $41,600$41,600 $54,900
Habersham County, GA $42,300$42,300 $42,300$42,300 $55,850
Hancock County, GA $37,100$37,100 $37,100$37,100 $49,000
Haralson County, GA HUD Metro FMR Area $39,500$39,500 $39,500$39,500 $52,150
Hart County, GA $40,500$40,500 $40,500$40,500 $53,450
Hinesville, GA HUD Metro FMR Area $40,000$40,000 $40,000$40,000 $52,800
Irwin County, GA $42,900$42,900 $42,900$42,900 $56,650
Jackson County, GA $50,150$50,150 $50,150$50,150 $66,200
Jeff Davis County, GA $37,100$37,100 $37,100$37,100 $49,000
Jefferson County, GA $37,100$37,100 $37,100$37,100 $49,000
Jenkins County, GA $37,100$37,100 $37,100$37,100 $49,000
Johnson County, GA $37,100$37,100 $37,100$37,100 $49,000
Lamar County, GA HUD Metro FMR Area $43,300$43,300 $43,300$43,300 $57,150
Laurens County, GA $41,050$41,050 $41,050$41,050 $54,200
Lincoln County, GA HUD Metro FMR Area $37,300$37,300 $37,300$37,300 $49,250
Long County, GA HUD Metro FMR Area $41,500$41,500 $41,500$41,500 $54,800
Lumpkin County, GA $46,650$46,650 $46,650$46,650 $61,600
Macon County, GA $37,100$37,100 $37,100$37,100 $49,000
Macon, GA HUD Metro FMR Area $44,000$44,000 $44,000$44,000 $58,100
Meriwether County, GA HUD Metro FMR Area $40,100$40,100 $40,100$40,100 $52,950
Miller County, GA $37,100$37,100 $37,100$37,100 $49,000
Mitchell County, GA $38,650$38,650 $38,650$38,650 $51,000
Monroe County, GA HUD Metro FMR Area $51,900$51,900 $51,900$51,900 $68,500
Montgomery County, GA $39,100$39,100 $39,100$39,100 $51,600
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 $40,100$40,100 $40,100$40,100 $52,950
Polk County, GA $40,500$40,500 $40,500$40,500 $53,450
Pulaski County, GA HUD Metro FMR Area $41,500$41,500 $41,500$41,500 $54,800
Putnam County, GA $43,100$43,100 $43,100$43,100 $56,900
Quitman County, GA $37,100$37,100 $37,100$37,100 $49,000
Rabun County, GA $42,900$42,900 $42,900$42,900 $56,650
Randolph County, GA $37,100$37,100 $37,100$37,100 $49,000
Rome, GA MSA $42,250$42,250 $42,250$42,250 $55,750
Savannah, GA MSA $50,800$50,800 $50,800$50,800 $67,050
Schley County, GA $43,600$43,600 $43,600$43,600 $57,550
Screven County, GA $39,750$39,750 $39,750$39,750 $52,450
Seminole County, GA $37,100$37,100 $37,100$37,100 $49,000
Stephens County, GA $38,550$38,550 $38,550$38,550 $50,900
Stewart County, GA $37,100$37,100 $37,100$37,100 $49,000
Sumter County, GA $37,100$37,100 $37,100$37,100 $49,000
Talbot County, GA $38,700$38,700 $38,700$38,700 $51,100
Taliaferro County, GA $38,250$38,250 $38,250$38,250 $50,500
Tattnall County, GA $39,700$39,700 $39,700$39,700 $52,400
Taylor County, GA $37,100$37,100 $37,100$37,100 $49,000
Telfair County, GA $37,100$37,100 $37,100$37,100 $49,000
Thomas County, GA $41,500$41,500 $41,500$41,500 $54,800
Tift County, GA $39,750$39,750 $39,750$39,750 $52,450
Toombs County, GA $40,250$40,250 $40,250$40,250 $53,150
Towns County, GA $41,100$41,100 $41,100$41,100 $54,250
Treutlen County, GA $39,050$39,050 $39,050$39,050 $51,550
Troup County, GA $41,600$41,600 $41,600$41,600 $54,900
Turner County, GA $37,100$37,100 $37,100$37,100 $49,000
Union County, GA $43,100$43,100 $43,100$43,100 $56,900
Upson County, GA $37,100$37,100 $37,100$37,100 $49,000
Valdosta, GA MSA $40,700$40,700 $40,700$40,700 $53,700
Ware County, GA $39,350$39,350 $39,350$39,350 $51,950
Warner Robins, GA HUD Metro FMR Area $57,100$57,100 $57,100$57,100 $75,350
Warren County, GA $37,100$37,100 $37,100$37,100 $49,000
Washington County, GA $39,300$39,300 $39,300$39,300 $51,900
Wayne County, GA $41,900$41,900 $41,900$41,900 $55,300
Webster County, GA $41,850$41,850 $41,850$41,850 $55,250
Wheeler County, GA $38,300$38,300 $38,300$38,300 $50,550
White County, GA $43,700$43,700 $43,700$43,700 $57,700
Wilcox County, GA $37,100$37,100 $37,100$37,100 $49,000
Wilkes County, GA $37,100$37,100 $37,100$37,100 $49,000
Wilkinson County, GA $39,500$39,500 $39,500$39,500 $52,150

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