Types of Loans
USDA Loans
Zero-down financing outside the big city.
USDA Rural Development guaranteed loans help low- and moderate-income buyers purchase homes in eligible rural and suburban areas. Many communities across Georgia qualify.
Who it fits
- Buyers purchasing in a USDA-eligible area
- Households within USDA income limits for the county
- Buyers with limited down payment savings
- Buyers of a primary residence
Key features
- No down payment required for eligible borrowers
- Upfront and annual guarantee fees apply
- 30-year fixed rate
- Closing costs may be financed in some cases
- Seller contributions allowed within program limits
Property and income eligibility are set by USDA and change over time. Eligibility, loan terms, down payment requirements, rates, fees and program features vary by borrower qualifications, property type and lender guidelines. Contact us to see which program fits you.