USDA Loans

USDA Loans, or Rural Housing Loans, are no money down loans intended for individual looking to live in a more provincial area. The program began in 1991 in an attempt to incentivize city dwellers to move to more rural areas as well as any other individual looking to purchase in a rural area.

USDA loans are great for individuals who might not be able to qualify for a conventional loan due to credit history and down payment requirements. Most USDA loans can even be used to pay closing costs if the seller themselves don't.

Generally speaking, for a home to qualify for a USDA loan it must be in a smaller town with a population of less than 20,000 residents. There are also some financial requirements, such as a credit score in the 640 range as well as ensuring that your debt to income ratio will allow you to make your monthly payments without too much trouble.

There are also lending limitations defendant on the Georgia County.
 
County
 
Fulton
Cobb
Douglas
Gwinnett
Lending Limit
 
$147,400
$187,800
$141,600
$188,100
 
If you're interested in finding out more about a USDA Loan or want to get started use our online Purchase Assistant tool on our website for a free analysis.


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