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 gee 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

YOUR SUCCESS IS OUR JOB

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

YOU'VE COME TO THE RIGHT PLACE

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.