FHA VS Conventional loan programs in Augusta, Richmond County, Georgia

In 2025, the conventional loan limit in Augusta, situated in Richmond County, GA, is $726,200. Meanwhile, the FHA loan limit for a single-family home is $472,030.

Make use of the Lendersa® Conventional loan calculator to evaluate today's top rates across Conventional, FHA, and USDA options. Assess the income, credit requirements, reserves, and documents needed to qualify. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in selecting the most suitable option in GA for your financial circumstances.

Compare loan offers from a selection of 100 lenders

2025 Loan Limits and Downpayment Requirements in Augusta, Richmond, GA

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

This table applies to these zip codes: 30912, 30815, 30812, 30907, 30906, 30904, 30901, 30905, 30909, 30805, 30914, 30916, 30917, 30919, 30999

Conventional and FHA Loan Options in Augusta, GA

The objective of Lendersa® is to provide the optimal Conventional, USDA, or FHA loan swiftly and without hassle. Start with one of three approaches that lead to matching lenders and customizable loan programs.

Lendersa USDA loan request results


  • Century Bank and Trust
  • 141 South Wayne Street, Milledgeville, GA, 31061
  • Century Bank & Trust has operated as an independent community bank under local control. The Boards of the Bank and Century Bancorp, Inc, remain convinced, unless faced with strong evidence and trends to the contrary, that this direction can continue to offer against other alternatives, higher returns, a superior level of service to our customers.
  • Citizens First Mortgage Lending LLC
  • 9320 -E Two Notch Road, Columbia, SC, 29223
  • Citizens First Mortgage Lending, LLC has been in business since 2018 with loan officers having experience over 20 years in the industry. Providing the best Options for purchasing or refinancing your home loans We pride ourselves on transparency and honesty from start to finish. We work as a team with the borrower providing.
  • Legacy Lending Mortgage Group LLC
  • 2315 N. Main St, Suite 211D, Anderson, SC, 29621
  • Legacy Lending Mortgage Group offers high-quality mortgage brokerage services to residential customers. Our aim is to provide our customers with fair mortgage rates at reasonable prices, while keeping our clients informed & educated throughout the process. We will be transparent and be sure to keep all parties involved in the transaction informed.
  • RateSaver Mortgage Inc
  • 2318 N. Main St, Unit D, Anderson, SC, 29621
  • One of the biggest rewards in my business life is helping people achieve their dreams of home ownership. From first time homeowners, to experienced multi-home real estate investors, I can make the process smooth and easy for any buyer. Take advantage of my 23+ years of mortgage experience and over 1500 mortgages closed.
  • Dominion Mortgage and Financial Services, Inc.
  • 4220 Clemson Blvd., Anderson, SC, 29621
  • "No matter if this is your first home purchase or you are refinancing your current property, Dominion Mortgage and Financial Services, Inc. is here to assist you with all of your mortgage needs! With more than 30 years of combined experience, we excel by offering a variety of quality loans in the mortgage and financial service industry.
  • Your Money Center LLC
  • 25 Old Highway 29, Hartwell, GA, 30643
  • Your Money Center LLC We are a full-service tax and accounting firm with three convenient locations in Hartwell, Elberton and Toccoa, Georgia. It is our mission to go above and beyond the normal expectation of a tax preparation, booking and payroll firm by providing exceptional customer service
  • Georgia First Bank
  • 1202 Second Street, Soperton, GA, 30457
  • Georgia First Bank serves small towns and underbanked communities of the state of Georgia. We have built our brand and our business for almost 120 years on “old fashioned”, face to face, relationship banking - local lending decisions and friendly service from someone you know. As we expand our business, we want to continue to offer this familiar
  • ATHENS MORTGAGE RESOURCES, INC.
  • 710 S Milledge Ave, Athens, GA, 30605
  • Athens Mortgage Resources, Inc. was founded by William A. Jones, Jr. on December 7, 1988, after he retired from his 20 years of service in the United States Air Force. Since its creation, Athens Mortgage has always provided the best and lowest rates & closing costs in the Athens/Oconee area. Along with the best deal in town
  • Arthur State Bank
  • 100 East Main Street, Union, SC, 29379
  • Working and Thriving, Together! Arthur State Bank has served the good people of South Carolina since 1933. Today Arthur State Bank operates 18 locations in Union Spartanburg, Greenville, Lexington, Clinton, Woodruff, Roebuck, Rock Hill, Columbia, & Chesnee. We continue to operate as one of the state’s oldest family-owned & operated community banks!
  • Remarkable Mortgage
  • 35 North Main Street, Watkinsville, GA, 30677
  • Remarkable Mortgage leaves a lasting impression on the customers we serve, bringing confidence and simplicity to home financing. Launched by an experienced team of loan advisors in February 2022, Remarkable Mortgage brings an innovative and progressive approach to mortgage loans by offering top-notch customer service and customized loan solutions.
  • Aviante Mortgage
  • 1351 Jennings Mill Rd, Suite A, Watkinsville, GA, 30677
  • "Aviante Mortgage is placed in the lineup among other Real Estate Companies. This establishment is rated 4 by NiceLocal users and provides its services in Georgia city by the official address: Watkinsville, GA 30677, 1351 Jennings Mill Rd. Geographic system coordinates are: longitude — 83°27'42.66''W (-83.46185), latitude — 33°55'5.52''N (33.9182