What 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
Your success is our job
We're here to help every step of the way.
Rent vs. Buy a House: Key Insights & Tips
First-Time Homebuyer's Toolkit: Grants and Incentives in 2026
The Road to 30%: Is Homeownership Finally Affordable Again?
* All loans are subject to credit approval.
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.