FHA VS Conventional loan in Hephzibah, Richmond County, Georgia
As of 2026, the limit for Conventional loans in Hephzibah, located in the county of Richmond, GA, is $726,200. In contrast, the FHA cap is $472,030 for single-family homes.
Make use of the Lendersa® Conventional loan calculator to compare the current best rates between Conventional, FHA, and USDA loans. Assess the necessary income, credit score, reserves, and paperwork to qualify. Our comprehensive mortgage calculator provides a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, helping you to determine the optimal program for your financial circumstances in GA.
Loan Limits and Down Payment Requirements in Hephzibah, Richmond, GA for 2026
Type of Loan
Limit on Loan
Required Down Payment
Conventional Conforming
$726,200
3%
USDA
$0
0%
FHA
$472,030
3.5%
This comparison table is applicable to zip codes: 30815
Available Conventional and FHA Loan Options in Hephzibah, GA
Lendersa® aims to quickly provide you with the best Conventional, USDA, or FHA loan, with no hassle involved. Choose from three starting points that seamlessly align you with suitable lenders and financial plans.
In 1976, Health Center Credit Union (HCCU) was chartered by the Georgia Department of Banking and Finance. HCCU opened its first office in the Murphy Building at the Medical College of Georgia (Augusta). The second branch was opened in 1987 at St. Joseph Hospital (University Hospital Summerville) followed by branches at Augusta State University.
1030 Jimmie DYess Parkway, Suite 7, Augusta, GA, 30909
Lends in Georgia
Mortgage First Augusta 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 tools
We were founded by people who wanted to offer a better banking experience—one with the technical prowess of a big bank and the personal service of a community bank. The Southern Bank blends those two experiences into one, with business-minded bankers delivering big-bank technology without losing the warmth and classic
The mission of First National Bank of Waynesboro is to be the most innovative, trustworthy, friendly financial institution with the community’s interests at heart. First National Bank of Waynesboro strives to inform, educate, & develop the most up to date technology & services for all customers’ financial needs in Burke County & surrounding areas.
We prefer to put people first. So, we made sure everything we do provides real value to our friends and neighbors.
With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving the citizens of Jefferson County and surrounding areas since 1964.
First Choice Mortgage in Augusta, GA houses an experienced, dedicated, and knowledgeable team. We are one of the best mortgage lenders and brokerage firms serving the lending needs of real estate professionals, builders, and individual homebuyers throughout Georgia and South Carolina since 1992.
Established in 1976, Augusta Mortgage Company is Augusta’s oldest independent mortgage company. Utilizing the latest in technology, Augusta Mortgage Company can provide our customer’s loan approval within minutes of application and tailor the most appropriate and competitive services. We were Augusta’s first direct endorsement FHA lender
141 North Belair Road, Suite 102, Evans, GA, 30809
Lends in Georgia
Augusta Mortgage Solutions serves residential mortgage customers throughout the State of Georgia with a full selection of loan options. These include FHA, VA and conventional loans for purchase and refinance needs. We have the experience and the connections to provide a smooth mortgage process with a personal touch.
