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)
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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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Maximum Loan Amounts
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