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First-time home buyer programs in Evans, GA

Quick answer

First-time buyers in Evans, GA can use 3%-down conventional loans (up to the $832,750 Columbia County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $345,800 median home, 3% down is about $10,374 and the estimated payment is $2,798/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $126,767; value-to-income ratio 2.73. Evans ranks 32 by home value and 28 by population among 113 places in our GA dataset.

What does a first-time buyer loan cost on a typical Evans home?

ItemEvans
Median home value (Census ACS)$345,800
Georgia median home value$272,900
Down payment (3%)$10,374
Loan amount$335,426
Estimated monthly payment (PITI + MI)$2,798
Income needed (28% / 36%)$120,000 / $94,000
Columbia County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Georgia's 0.81% effective property tax rate (Census ACS), $1,828/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Evans?

Evans is in Columbia County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Evans median home value of $345,800 is 27% above the Georgia median, and within what the county limit supports.

Which down payment assistance programs can Evans buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

MartinezGrovetownAugustaMilledgevilleAthensStatesboro

First-time buyer loan FAQs for Evans

On the $345,800 median: 3% conventional ≈ $10,374, 3.5% FHA ≈ $12,103, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Columbia County become jumbo loans.

At the $345,800 median value (above the Georgia median of $272,900), the estimated payment of $2,798/month at 7.18% needs about $120,000 a year under the 28% housing guideline, or $94,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.