Georgia USDA Loans

My state-specific information

Eligibility Requirements – Georgia

The time to buy a house in Georgia has never been better! Residents of Georgia have a fantastic opportunity for a home loan from the USDA. For a USDA home loan in Georgia, the average income limit for a family of 1-4 is $119,850. For a family of 5 or more, this limit can be as high as $173,350. To find out more, just fill out the form below and one of our USDA loan specialists will follow up and help you get into the great new home that’s waiting for you.

The map below shows the areas of Georgia eligible for a USDA loan. To see if your area qualifies, head over to the USDA property eligibility screen.

Georgia USDA Income Limits (Moderate Income – Guaranteed Loan)

Most areas of Georgia follow the standard USDA income limit. The Atlanta metro area has a higher limit.

Area 1–4 Person 5+ Person
Standard Georgia Limit (Most Counties & MSAs) $119,850 $158,250
Atlanta–Sandy Springs–Roswell, GA HUD Metro FMR Area $131,300 $173,350

USDA income limits in Georgia are based on total household income and household size. This includes income from all adult household members, not just the borrower.

If your total qualifying household income is within the limit for your area and household size, you may qualify for a USDA loan with 100% financing (no down payment required).

Check Your Georgia USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Georgia. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

Income limits vary by household size. If you’re unsure which income limit applies to your county, complete a quick USDA prequalification and we’ll confirm your eligibility.

  • NO down payment – Finance 100% of your home
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Georgia USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Georgia