Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Georgia. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Georgia Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Albany, GA MSA | $306,000 | $391,000 |
| Appling County, GA | $306,000 | $391,000 |
| Athens-Clarke County, GA MSA | $306,000 | $391,000 |
| Atkinson County, GA | $306,000 | $391,000 |
| Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area | $323,000 | $417,000 |
| Augusta-Richmond County, GA-SC HUD Metro FMR Area | $306,000 | $391,000 |
| Bacon County, GA | $306,000 | $391,000 |
| Baldwin County, GA | $306,000 | $391,000 |
| Banks County, GA | $306,000 | $391,000 |
| Ben Hill County, GA | $306,000 | $391,000 |
| Berrien County, GA | $306,000 | $391,000 |
| Bleckley County, GA | $306,000 | $391,000 |
| Brunswick, GA MSA | $306,000 | $391,000 |
| Bulloch County, GA | $306,000 | $391,000 |
| Butts County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Calhoun County, GA | $306,000 | $391,000 |
| Camden County, GA | $306,000 | $391,000 |
| Candler County, GA | $306,000 | $391,000 |
| Charlton County, GA | $306,000 | $391,000 |
| Chattanooga, TN-GA MSA | $306,000 | $391,000 |
| Chattooga County, GA | $306,000 | $391,000 |
| Clay County, GA | $306,000 | $391,000 |
| Clinch County, GA | $306,000 | $391,000 |
| Coffee County, GA | $306,000 | $391,000 |
| Colquitt County, GA | $306,000 | $391,000 |
| Columbus, GA-AL MSA | $306,000 | $391,000 |
| Cook County, GA | $306,000 | $391,000 |
| Crisp County, GA | $306,000 | $391,000 |
| Dalton, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Decatur County, GA | $306,000 | $391,000 |
| Dodge County, GA | $306,000 | $391,000 |
| Dooly County, GA | $306,000 | $391,000 |
| Early County, GA | $306,000 | $391,000 |
| Elbert County, GA | $306,000 | $391,000 |
| Emanuel County, GA | $306,000 | $391,000 |
| Evans County, GA | $306,000 | $391,000 |
| Fannin County, GA | $306,000 | $391,000 |
| Franklin County, GA | $306,000 | $391,000 |
| Gainesville, GA MSA | $306,000 | $391,000 |
| Gilmer County, GA | $306,000 | $391,000 |
| Glascock County, GA | $306,000 | $391,000 |
| Gordon County, GA | $306,000 | $391,000 |
| Grady County, GA | $306,000 | $391,000 |
| Greene County, GA | $306,000 | $391,000 |
| Habersham County, GA | $306,000 | $391,000 |
| Hancock County, GA | $306,000 | $391,000 |
| Haralson County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Hart County, GA | $306,000 | $391,000 |
| Hinesville, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Irwin County, GA | $306,000 | $391,000 |
| Jackson County, GA | $306,000 | $391,000 |
| Jeff Davis County, GA | $306,000 | $391,000 |
| Jefferson County, GA | $306,000 | $391,000 |
| Jenkins County, GA | $306,000 | $391,000 |
| Johnson County, GA | $306,000 | $391,000 |
| Lamar County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Laurens County, GA | $306,000 | $391,000 |
| Lincoln County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Long County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Lumpkin County, GA | $306,000 | $391,000 |
| Macon County, GA | $306,000 | $391,000 |
| Macon, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Meriwether County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Miller County, GA | $306,000 | $391,000 |
| Mitchell County, GA | $306,000 | $391,000 |
| Monroe County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Montgomery County, GA | $306,000 | $391,000 |
| Morgan County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Murray County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Peach County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Pierce County, GA | $306,000 | $391,000 |
| Polk County, GA | $306,000 | $391,000 |
| Pulaski County, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Putnam County, GA | $306,000 | $391,000 |
| Quitman County, GA | $306,000 | $391,000 |
| Rabun County, GA | $306,000 | $391,000 |
| Randolph County, GA | $306,000 | $391,000 |
| Rome, GA MSA | $306,000 | $391,000 |
| Savannah, GA MSA | $306,000 | $391,000 |
| Schley County, GA | $306,000 | $391,000 |
| Screven County, GA | $306,000 | $391,000 |
| Seminole County, GA | $306,000 | $391,000 |
| Stephens County, GA | $306,000 | $391,000 |
| Stewart County, GA | $306,000 | $391,000 |
| Sumter County, GA | $306,000 | $391,000 |
| Talbot County, GA | $306,000 | $391,000 |
| Taliaferro County, GA | $306,000 | $391,000 |
| Tattnall County, GA | $306,000 | $391,000 |
| Taylor County, GA | $306,000 | $391,000 |
| Telfair County, GA | $306,000 | $391,000 |
| Thomas County, GA | $306,000 | $391,000 |
| Tift County, GA | $306,000 | $391,000 |
| Toombs County, GA | $306,000 | $391,000 |
| Towns County, GA | $306,000 | $391,000 |
| Treutlen County, GA | $306,000 | $391,000 |
| Troup County, GA | $306,000 | $391,000 |
| Turner County, GA | $306,000 | $391,000 |
| Union County, GA | $306,000 | $391,000 |
| Upson County, GA | $306,000 | $391,000 |
| Valdosta, GA MSA | $306,000 | $391,000 |
| Ware County, GA | $306,000 | $391,000 |
| Warner Robins, GA HUD Metro FMR Area | $306,000 | $391,000 |
| Warren County, GA | $306,000 | $391,000 |
| Washington County, GA | $306,000 | $391,000 |
| Wayne County, GA | $306,000 | $391,000 |
| Webster County, GA | $306,000 | $391,000 |
| Wheeler County, GA | $306,000 | $391,000 |
| White County, GA | $306,000 | $391,000 |
| Wilcox County, GA | $306,000 | $391,000 |
| Wilkes County, GA | $306,000 | $391,000 |
| Wilkinson County, GA | $306,000 | $391,000 |
