FHA VS Conventional loan programs in Ellijay, Gilmer County, Georgia

In 2026, the Conventional loan limit for Ellijay in Gilmer county, GA, is $726,200. Conversely, the FHA limit for a single-family house is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today’s leading rates across Conventional, FHA, and USDA programs, determining the required income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side illustration of Conforming Conventional, USDA, FHA, and VA loans, assisting you in selecting the best option in GA for your financial scenario.

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2026 Loan Limits and Down Payment Specifications in Ellijay, Gilmer, GA

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

This table is applicable to zip codes: 30540

Available Conventional and FHA Loan Options in Ellijay, GA

The aim of Lendersa® is to promptly provide you with the best available Conventional, USDA, or FHA loan without any hassle. Choose one of the three starting options to identify matching lenders and loan packages.

Insights into USDA loan requests and results through Lendersa


Ellijay Lenders

  • First National Community Bank
  • 701 N 3rd Ave, Chatsworth, GA, 30705
  • Lends in Georgia
  • National Community Bank is a locally owned community bank. We are deeply committed to the success and growth of local businesses and the financial prosperity of our customers in our community with extraordinary involvement in the communities we have served since 1975.We pride ourselves in our experienced staff of familiar local Bankers.

  • HomeTrust Mortgage, Inc.
  • 11576 Big Canoe, Jasper, GA, 30143
  • Lends in Georgia
  • The Hometrust Mortgage team is committed to providing each client with the highest quality service accompanied with the lowest mortgage interest rates available. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, consolidating debt, or you are a real estate investor.

  • The Mortgage Source LLC
  • 21 Court St, Suite 102, Jasper, GA, 30143
  • Lends in Georgia
  • We built our mortgage business from the ground-up, consistently surpassing customer and agents expectations with clear and reliable communication and our "No Bureaucracy" approach to the mortgage process. Our team is local, friendly, and nimble, and we have more than a decade of experience crafting custom, structured loans.

  • FRONTLINE CAPITAL MORTGAGE, LLC
  • 91 Sammy McGhee, Suite 110, Jasper, GA, 30143
  • Lends in Georgia
  • Frontline Capital Mortgage, LLC 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

  • Destiny Mortgage Lending
  • Bldg. 417 Crooked Tree Drive, Dawsonville, GA, 30534
  • Lends in Georgia
  • Destiny Mortgage Lending you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • BBC Financial Group
  • 768 Crown Mountain Dr., Dahlonega, GA, 30533
  • Lends in Georgia
  • BBC Financial Group has been in business since 2004. We were able to survive the worst housing market in history due to providing our clients sound advise and unparalleled service during a challenging time. We have consistently been able to provide our clients a level personal service .