none Homes with USDA Loan Terms

Welcome to your dream neighborhood, where charm meets convenience! Nestled in the heart of the United States, this vibrant community is the perfect place to call home. Surrounded by lush landscapes and friendly neighbors, you’ll find a diverse selection of homes that cater to every lifestyle.

One of the standout features of this area is the availability of homes eligible for USDA loan terms. This financing option is designed to help families and individuals achieve their homeownership dreams, particularly in rural and suburban areas. With no down payment required and competitive interest rates, USDA loans make it easier than ever to settle down in a picturesque setting while enjoying the benefits of modern living.

Imagine waking up to serene views, enjoying morning walks along tree-lined streets, and having access to local parks and recreational facilities. This community is not just about homes; it’s about creating a lifestyle that fosters connection and well-being. With a range of amenities nearby, including shopping centers, schools, and dining options, everything you need is just a stone's throw away.

Whether you are a first-time homebuyer or looking to relocate, this neighborhood offers a welcoming atmosphere that you and your family will cherish for years to come. Don’t miss out on the opportunity to explore the homes available with USDA loan terms—your perfect sanctuary awaits! Embrace the chance to invest in your future and experience the joy of homeownership in this delightful community.

Newest none Homes with USDA Loan Terms

$400,000

5 Beds ⋅ 2 Baths ⋅ 10847071 MLS

Welcome to 20 Oakdale Drive, located inside the city limits of Cartersville! This spacious 5-bedroom, 2-bath home sits on a beautiful, level lot and offers plenty of room both inside and out. Step outside and enjoy the above-ground pool, perfect for summer days and entertaining. The property also features a storage building with power, offering endless possibilities-use it as a pool house, workshop, hobby space, or additional storage. Conveniently located near downtown Cartersville, schools, shopping, dining, and all the amenities the city has to offer. With five bedrooms, a great yard, and versatile outdoor space, this home is ready for its next chapter!

20 Oakdale Drive, Cartersville

Listing courtesy of Leslie Howren Chatman Realty.

$299,900

3 Beds ⋅ 2 Baths ⋅ 10847030 MLS

Move-in ready 3 bedroom, 2 bathroom home situated on 1.73 acres in the Armuchee School District. This home features a brand-new HVAC system and an unfinished basement offering excellent additional space for storage, a workshop, home gym, or future use. The basement is conveniently accessible from inside the home and also features exterior garage door access. Outside, enjoy plenty of room to spread out along with a back patio that's ready for grilling, entertaining, and fall Saturdays watching football. With 1.73 acres, a versatile basement, and a location in the Armuchee School District, this home offers a great combination of space, functionality, and value-all under $300,000.

1634 Little Texas Valley Road NW, Rome

Listing courtesy of Hardy Realty & Development Company.

$289,000

2 Beds ⋅ 2 Baths ⋅ 10846921 MLS

Welcome to this charming all brick 2 bedroom, 2 bath home in the heart of Barnesville, thoughtfully updated and designed for comfortable everyday living. Inside, you'll find warm, inviting spaces with modern touches that create a clean, move in ready feel. The flex space adds even more versatility-perfect for a home office, cozy den, hobby space, or an additional guest area. Out back, the finished room offers an ideal setting for a sunroom or relaxation space, giving you a peaceful spot to unwind, entertain, or enjoy your morning coffee. With its low maintenance brick exterior, adaptable floor plan, and convenient location near shopping, dining, and local amenities, this home delivers both comfort and convenience. Discover the possibilities and make this lovely property your own. This one is truly a must see - come explore all of the possibilities and make it yours!

105 Pine Street, Barnesville

Listing courtesy of The Legacy Real Estate Group.

$235,000

3 Beds ⋅ 2 Baths ⋅ 10846825 MLS

Welcome to this beautifully remodeled 3-bedroom, 2-bathroom home nestled on a little over 2 acres in Lamar County! From the moment you arrive, you'll appreciate the privacy, peaceful surroundings, and long driveway lined with beautiful trees. This home has been thoughtfully updated in 2026, offering numerous improvements and added peace of mind. The HVAC system has been replaced and includes a warranty, and well pressure tank, and valve have also been replaced with a warranty included. The septic system was pumped in 2026, and the crawlspace features a brand-new vapor barrier installed in July 2026. The home sits on a solid foundation and also features a durable metal roof with new flashing added. Inside, you'll find new subflooring and LVP flooring throughout, along with updated plumbing under the sinks, new outlets and switches, added GFCI outlets, and new smoke detectors. The tubs and tub surrounds have also been replaced. The spacious living area features a wood-burning fireplace, and the home offers walk-in closets for additional storage. All appliances will remain with the property. Outside, this property truly shines! Enjoy a fully fenced lot with beautiful mature trees, blooming plants, pomegranate trees, and other various fruit trees. There is plenty of room for parking, and the property offers a shed with a workshop area. A streetlight on the property provides additional visibility after dark. One of the standout features is the three porches surrounding the home, a large front porch with plenty of room to relax, a spacious back porch, and a side porch. Whether you're enjoying your morning coffee, entertaining, or simply taking in the peaceful surroundings, there is plenty of outdoor space to enjoy. The property is private, quiet, and surrounded by nature while still being conveniently located near everyday amenities. As an added bonus, the sellers are offering a home warranty of the buyer's choice. Come take a look and experience all this beautiful property has to offer!

460 Etheridge Mill Road, Milner

Listing courtesy of Georgia Real Estate Team.

$173,500

2 Beds ⋅ 1 Baths ⋅ 10846694 MLS

This charming 1913 Barnesville cottage proves good things really do come in small packages. With 2 bedrooms, 1 bath and approximately 943 square feet, this nearly move-in-ready home is packed with personality, blending more than a century of character with thoughtful updates for today. The recently remodeled kitchen features a custom pantry, and all appliances stay-including a new dishwasher and a washer and dryer approximately three years old. The bathroom has also been remodeled with updated plumbing. Plenty of attention has been given behind the scenes, too, with additional piers and supports, a new sewer line, approximately 90% new water lines, fresh attic wiring and updates to most outlets. New Andersen replacement windows help filter outside noise and include a transferable lifetime warranty. And there's a feature you don't see every day-the living room fireplace operates on natural gas, offering warmth and ambiance even when the power is out. The personality continues outside with a new back deck, three outbuildings for extra storage, and a parking pad made from bricks repurposed from the home's original fireplace-a fun little piece of its past given a new purpose.

115 Lamar Street, Barnesville

Listing courtesy of McLeRoy Realty.

$445,000

2 Beds ⋅ 2 Baths ⋅ 10845249 MLS

Introducing your future log cabin tucked along a quiet country road with just a handful of neighbors and surrounded by large-tract landowners and farms. Welcome to 1311 Copeland Road in rural Shiloh, Talbot County, Georgia. Situated on 14.86 acres, this true 2-bedroom, 2-bath pine log cabin with a metal roof offers the privacy, acreage and outdoor lifestyle that are increasingly hard to find. Enjoy morning coffee from the rocking-chair covered front porch overlooking approximately 2 acres of open pasture, or unwind on the covered back porch overlooking peaceful, park-like woods where deer and other wildlife are frequent visitors. The rest of the property consists of mature hardwoods and pines, providing privacy, recreation and excellent wildlife habitat. Big Bucks on this beauty!!! Inside, the main entrance opens to a warm living room featuring wood burning stove, exposed beams, Oak floors in the living room dining room and kitchen and balance of the cabin Pine floors. The kitchen offers abundant cabinetry, high-top seating and views of the back porch and woods. The country kitchen transitions to ample dining space for the upcoming holidays. The primary bedroom is conveniently located on the main level and features a soaking tub and walk-in closet. A mudroom off the kitchen provides access to the rear porch, raised deck and pergola. Upstairs, a spacious loft overlooks the main living area and is joined by a second bedroom, full bath and generous closet and storage space. The expansive loft offers flexibility and is currently utilized as a third guest room, with the option to be utilized as a den, home office or entertainment space. The entire property is fenced for privacy, with approximately 2.25 acres of pasture at the rear cross-fenced for livestock. The 26' x 28' two-stall cypress barn includes a separate workshop, water and wiring for electricity. Additional improvements include a 24' x 22' two-car carport, 14' x 16' utility building with water and electricity, 20' x 20' pole barn and two lean-tos, including one currently used for vehicle parking. Outdoor features continue with well-maintained trails through the wooded acreage, a shooting lane, fire pit and seating area, two hunting stands-one single and one double-and five frost-proof water spigots positioned throughout the property. The property offers both public and well water options. Plus, fiber internet is now available. Whether you are looking for a small farm, recreational retreat, hunting property or private country residence, this property offers an exceptional combination of usable pasture, woods, improvements and privacy. Conveniently located to Callaway Resort & Gardens, Pine Mountain and LaGrange, just 35 minutes away; Columbus, 45 minutes; Peachtree City and Newnan, 1 hour; and Hartsfield-Jackson Atlanta International Airport, less than 90 minutes away. A must-see property to fully appreciate everything this rural Talbot County retreat has to offer.

1311 Copeland Road, Shiloh

Listing courtesy of Meadows Hale Realty Inc.

$315,000

2 Beds ⋅ 1 Baths ⋅ 10844320 MLS

This solid one owner home was BUILT WITH PRIDE! Five acres, fenced and ready for your homestead. Eligible for100% USDA financing. FENCED PASTURE WITH FOUR GATES! A LARGE OUTBUILDING/SHOP gives you serious room to store equipment, run projects, or set up a workspace. Invisible dog fence is already wired into the yard, ready to hook up. Fruit trees are planted across the property, including a fig tree close to the home. The roof was replaced in 2023 and comes with a transferable warranty on both labor and materials. Security doors and QUALITY HEINZMANN EUROPEAN WINDOWS are already in place for safety, easy cleaning and ABUNDANCE OF NATURAL LIGHT. TANKLESS WATER HEATER, so having hot water is never an issue. The property is tied into both PUBLIC & PRIVATE WELL!, so you're covered either way. Home comes with a one year CHIOCE PLAN HOME WARRANTY! from Choice Home Warranty. Located just east of Atlanta off I-20, it's a 40-minute drive to the city without traffic. Downtown Covington is built around a historic square with local restaurants and shops, and the Cricket Frog Trail runs right through town for walking and biking.

184 Ball Ground Road, Covington

Listing courtesy of Real Broker, LLC.

$299,000

3 Beds ⋅ 2 Baths ⋅ 10843953 MLS

Under $300K - This 3 bedroom 2 bathroom renovated home has all you need on 1 acre. Step-less entry at the back door allows for easy entry, while you have a great front porch for morning coffee. Two electric fireplaces, a laundry room, quartz counter tops throughout, new appliances, new flooring, new paint, freshly painted exterior and so much more. Grab your favorite Realtor and schedule a showing.

4993 Loan Oak Road, Grantville

Listing courtesy of Dwelli.

$515,000

4 Beds ⋅ 3 Baths ⋅ 10843558 MLS

Great 4-bedroom, 3-bath home, great location & great price! Bring your horse, RV, or boat; there's no HOA! This gorgeous, remodeled home sits on a beautiful, cleared 1.94-acre lot with open pasture, just minutes from the charming towns of Ball Ground and Canton, with easy access to Hwy 575. Recent upgrades include an open kitchen with new granite countertops, new upgraded cabinets, new appliances, and a new refrigerator; renovated bathrooms with designer tile; new HVAC; a new septic tank; new LVP flooring throughout; a new deck; 10-foot ceilings; new plumbing and electrical; new ceiling fans; rain gutters; and an encapsulated crawl space (25 yr warranty). This fabulous home features all the upgrades you have been looking for! Enjoy the covered front porch, gazebo for outdoor cookouts, fire pit area, and large storage shed for lawn tools. This bright, open 4-bedroom, 3-bath home sits on a street lined with horse farms, offering a rural feel while staying close to shopping, restaurants, Northside Cherokee Hospital, and schools. Relax on your rocking chair on the front porch or the new back deck. If you want privacy, you just found it! Zoned AG

2400 Flatbottom Road, Ball Ground

Listing courtesy of RE/MAX Town & Country.

$239,900

4 Beds ⋅ 1 Baths ⋅ 10842955 MLS

Welcome home to this spacious 4-bedroom, 1-bath brick ranch offering approximately 1,550 square feet and plenty of room both inside and out! Situated on a large, level lot with beautiful, mature shade trees, this home combines classic character with lots of possibilities for its next owner. The mostly brick exterior offers timeless appeal, while the home's flexible floor plan provides four bedrooms and plenty of space to make your own. An additional living area with its own exterior entrance offers even more versatility and could make a great den, recreation room, home office, hobby room, or additional gathering space. Step outside and you'll find a large, fenced backyard with plenty of room for pets, gardening, entertaining, or simply enjoying the outdoors. Relax or fire up the grill beneath the covered patio, enjoy the additional rear deck, or gather around the backyard fire pit under the mature trees. A detached garage/workshop provides valuable additional parking and storage along with plenty of room for tools, lawn equipment, hobbies, or weekend projects. With 4 bedrooms, approximately 1,550 square feet, a spacious fenced yard, detached garage/workshop, multiple outdoor living areas, and classic brick construction, this home offers plenty of potential for an owner-occupant or investor. Conveniently located in Barnesville and ready for its next chapter-come see all that 415 Taylor Street has to offer!

415 Taylor Street, Barnesville

Listing courtesy of Jason Mitchell Real Estate Georgia.

$639,000

3 Beds ⋅ 4 Baths ⋅ 10842784 MLS

New custom home on 3.45 private acres in the zone 5 area of the Social Circle school district, offering timeless curb appeal with board and batten Hardie siding, brick water table, and expansive front and back porches. Inside, the vaulted living area flows into a stunning kitchen featuring granite countertops, cooktop with vent hood, wall oven, butler's pantry, and oversized walk-in pantry. Decorative trim, crown molding, and high ceilings add elevated detail throughout. The vaulted primary suite includes a spa-like bath with soaking tub, oversized tile shower, and spacious walk-in closet. Each secondary bedroom features its own ensuite bath and walk-in closet for added privacy. An unfinished bonus room, already stubbed for a bath, provides future potential for additional living space. Enjoy peaceful acreage with room to expand, all while remaining convenient to shopping, dining, and I-20 access. Estimated completion November 2026. Plans and finishes subject to change at builder's discretion. Measurements approximate. HOME IS UNDER CONSTRUCTION. FINISHED PHOTOS ARE OF A PREVIOUS BUILD WITH THE SAME FLOOR PLAN.

1271 Simmons Road, Social Circle

Listing courtesy of Purser Realty.

$629,000

3 Beds ⋅ 3 Baths ⋅ 10842768 MLS

This 3 bedroom, 2.5 bath home sits on 3.45 acres of land in the Zone 5 area of the Social Circle School District. It has an open concept layout and large covered back porch. When you enter, you'll immediately notice the attention to detail and finishes throughout. Such as the 9 foot ceilings, granite countertops, large island, tile backsplash, an oversized pantry, and a wood burning fireplace. The primary suite is a true retreat, featuring a large bathroom complete with a freestanding tub, double vanities, granite countertops, a tile shower, and an oversized walk in closets complete with built in shelving. The split floor plan places the two additional bedrooms and secondary bathroom on the opposite side of the home. For those seeking even more space, there is an option to finish the bonus room with a full bathroom for an additional cost. This flexible space can be customized to suit your needs, whether it be a home office, a playroom, bedroom or a guest suite. The possibilities are endless! Estimated completion November 2026 PLEASE NOTE: PLAN MAY VERY AT THE BUILDER'S DISCRETION. FLOOR PLAN MEASUREMENTS ARE APPROXIMATE NOT EXACT. DO NOT WALK THE PROPERTY WITHOUT AGENT'S KNOWLEDGE. HOME IS UNDER CONSTRUCTION, FINISHED PHOTOS ARE OF A PREVIOUS BUILD WITH THE SAME FLOOR PLAN.

1251 Simmons Road, Social Circle

Listing courtesy of Purser Realty.

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.