USDA Loans

We believe everyone deserves to be a homeowner. If you're looking to buy a home and have less cash available up front for a down-payment and closing costs, a USDA loan may be the loan for you.

  • Ideal if you expect to buy in a rural area
  • Low to no down payment required
  • Competitive interest rates

Everything you need to know

  • USDA loan is offered through the U.S. Department of Agriculture Rural Development mortgage
  • Lending up to 100% of the appraised value of the home
  • No down payment required
  • A one-time USDA guarantee fee is financed into the loan amount. A USDA mortgage insurance premium is a component of the monthly mortgage payment.
  • Restrictions based on income and location
  • Eligibility requirements apply
  • Refinancing options available


We're here to help every step of the way.


We're here to help every step of the way.

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Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic, with locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.