Explore the differences! FHA VS Conventional loan programs in Hephzibah, Richmond County, Georgia
As of 2025, 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 2025
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.
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 lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Marc Nocera founded Home Smart Mortgage on the premise of offering competitive rates I was not able to offer through the branch correspondent models that have more padding in the rates." Marc Nocera has been in the real estate business for over 15 years. He started his career in real estate in mid 1990′s in West Bloomfield, Michigan.
Community Financial Credit Union is a not-for-profit, full-service financial institution headquartered in Plymouth, MI, with 13 branches in southeast and northern Michigan. For 70 years, Community Financial has been committed to giving back to the communities it serves.Membership is also available for businesses and other legal entities.
Greater Chautauqua Federal Credit Union has been open since 1940. The credit union has assets totaling $89.32 Million and provides banking services to more than 10, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Phelps County Bank is 100% owned by our employees through an Employee Stock Ownership Plan (ESOP). Our mission is to build relationships with purpose, integrity, and fairness through a commitment to teamwork, education, and growth - believing that contributions of time, talents, and service lead to a better community for all.
Riverways Federal Credit Union, you’ll have access to all the same services you would use at other financial institutions. The difference is that at Riverways Federal Credit Union, you’ll get a better deal, and you’ll receive better service and also We enjoy helping our members grow financially and work towards their long term goals.
"We are here to serve you by answering your questions and assisting you in a friendly, courteous manner as you navigate through the mortgage loan process.
We understand that you have many mortgage consultant options and are prepared to earn your long term trust. We are confident that you will quickly see how commited"
