FHA VS Conventional loan programs in Americus, Sumter County, Georgia

As of 2025, in the county of Sumter within Americus, GA, the cap for a Conventional loan is set at $726,200 for a single-family home. Meanwhile, the FHA cap in this area is $472,030.

Employ the Lendersa® Conventional loan calculator for comparing current rates of Conventional loans against FHA and USDA options. Determine the necessary income, credit profile, reserves, and requisite documents to qualify. Our advanced tool allows you to easily compare Conforming Conventional loans, USDA, FHA, and VA side by side, providing guidance on which program in GA aligns best with your financial needs.

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2025 loan ceilings and downpayment requirements in Americus, county of Sumter, GA

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table applies to zip codes: 31709, 31719

Explore Conventional and FHA loan choices in Americus, GA

Lendersa® is committed to swiftly connecting you with the most suitable Conventional, USDA, or FHA loan options. Commence with one of three straightforward entry points that match you with appropriate lenders and loan programs.

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  • The Commercial Bank Of Ozark
  • 208 South Merrick Avenue, Ozark, AL, 36360
  • The Commercial Bank of Ozark was chartered in 1959 and has served the citizens of Ozark and Dale county to the present. Douglas Brown organized the bank because the financial needs for new construction were going unmet by the community's primary bank. Members of the initial board of directors included Douglas Brown, William C. Brown, etc
  • First Federal Savings and Loan Association of Valdosta
  • 411 N Patterson St, Valdosta, GA, 31601
  • First Federal was founded in 1934 by a group of businessmen who had a vision for thrift and homeownership in Valdosta/Lowndes County. Since that time, First Federal has grown and flourished along with this area. It is our goal to keep the original vision as our theme and mission for the future.
  • Valdosta Teachers' Federal Credit Union
  • 102 E. Force Street, Valdosta, GA, 31601
  • The Valdosta Teachers' Federal Credit Union was organized in 1958. The first Board of Directors were: Fredeva Ogletree, President; A.W. Basemore, Vice-President; Nan Allen, Treasurer; Walter Harrison, Secretary. Other Directors included: Ms. Willie Dewberry, Hadley McDuffie and Clara Stipe.
  • Georgia Power Valdosta Federal Credit Union
  • 1707 Dow St, Valdosta, GA, 31601
  • Georgia Power Valdosta Federal Credit Union was granted a federal charter in March 1958 to serve the financial needs of the Georgia Power Company employees and their families across the southern tier of the state. It remained a single sponsored occupationally bonded credit union until 1995.
  • Home Loan Pros, Inc
  • 2011 Commerce Drive N F, Suite 113, Peachtree City, GA, 30269
  • Lead by our president Les Pruitt, we have assisted hundreds of individuals and families get the home of their dreams without putting them in tough spot financially.When you work with one of trusted loan officers you will always have the ability to customize your loan to fit your mortgage needs.
  • The Geo. D. Warthen Bank
  • 216 N. Harris St., Sandersville, GA, 31082
  • Shortly after returning from the Civil War, Mr. Geo. D. Warthen entered the mercantile business in partnership with Jeff A. Irwin, Sr. and began business in a building on West Haynes St. (Present location of The Hair Force). In 1871, a rear corner of the building was partitioned off
  • Grissom Wolfe Mortgage
  • 8300 Knollbrook Lane, Suite 100, McDonough, GA, 30253
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the most competitive interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Farmers and Merchants Bank
  • 2 First Street North East, Lafayette, AL, 36862
  • Farmers and Merchants Bank was established in 1934 and continues to operate in the same location in which the bank first opened its’ doors. Through the years the bank has modernized its' facilities and services to better serve its’ customers and fit into the community. We are a locally owned community bank and serve Chambers County
  • FHG Capital
  • 1334 Timberlane Road, Suite 15, Tallahassee, FL, 32312
  • FHG Capital team is proud to serve the lending needs of homeowners and home buyers in Florida. Our hands-on approach helps each of our clients understand the mortgage process Now more than ever it is important to have an experienced mortgage team helping you through the home loan process.
  • Altamaha Bank & Trust
  • 206 Jackson St, Vidalia, GA, 30474
  • Altamaha Bank and Trust directly serves the needs of citizens and businesses in Vidalia, Uvalda, & Hazlehurst, GA, as well as the surrounding communities. As the Bank continues to grow, the present directors, officers, & employees of Altamaha Bank & Trust are dedicated to maintaining the standard of excellence that has been set by our predecessors.
  • Select Mortgage Group
  • 255 Racetrack Road, Suite 24, McDonough, GA, 30252
  • Select Mortgage Group, Inc.is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial.
  • Pineland Bank
  • 501 W 12th St, Alma, GA, 31510
  • Pineland Bank began as Alma Exchange Bank & Trust and was chartered on September 13, 1939 in Alma GA when directors Valene Bennett, Nathan Cohen, M E Jones, John Mullis and J F Ramsey received permission to convert Alma Exchange Credit Union to a state chartered financial institution.