Explore the differences! FHA VS Conventional loan programs in Milledgeville, Baldwin County, Georgia

In 2026, the conventional loan limit for Milledgeville in the county of Baldwin, GA, is set at $726,200, with the FHA limit specifically being $472,030 for a single-family house.

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The Lendersa® Conventional loan calculator enables a comparison of current best rates among Conventional, FHA, and USDA loans, assisting you in identifying the required income, credit score, reserves, and documentation for qualification. Compare Conforming Conventional loans, USDA, FHA, and VA simultaneously to determine the program that fits best with your financial context in GA.

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Loan limits and requirements for down payments in 2026 for Milledgeville, Baldwin, GA

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

This table pertains to the zip codes: 31062

Options available for Conventional and FHA loans in Milledgeville, GA

Lendersa® strives to connect you quickly and effortlessly to the most suitable Conventional, USDA, or FHA loan. Begin with one of the three initial options to find matching lenders and loan programs.

  1. Submit an optimized request for Conventional/USDA/FHA loans
  2. check USDA, FHA, and Conventional rates & terms beforehand
  3. View the largest repository of Conventional lenders
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Milledgeville Lenders


  • Century Bank and Trust
  • 141 South Wayne Street, Milledgeville, GA, 31061
  • Lends in Georgia

  • 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.

  • The Geo. D. Warthen Bank
  • 216 N. Harris St., Sandersville, GA, 31082
  • Lends in Georgia

  • 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

  • CGR Credit Union
  • 2040 Ingleside Ave, Macon, GA, 31204
  • Lends in Georgia

  • CGR Credit Union is a not-for-profit, member-owned and -operated, State chartered financial services organization. Founded by hospital employees in 1971, CGR Credit Union has served over 10,000 healthcare employees, professionals, members and their families.

    On the surface we may look like any other full-service community credit union

  • Midtowne Mortgage LLC
  • 2614 Riverside Drive, Macon, GA, 31204
  • Lends in Georgia

  • Our staff of mortgage service professionals make themselves accessible to clients around the clock, and strives to obtain the best mortgage loan package no matter what the situation. Our mortgage experts treat you with the respect due a valued customer and give you the personal attention you deserve.

  • Bank of Monticello
  • 141 East Greene Street, Monticello, GA, 31064
  • Lends in Georgia

  • On March 22, 1892, a citizens meeting was held at the Jasper County Courthouse, Monticello, Georgia, to issue stock at $100.00 per share to establish Bank of Monticello. The Jackson Banking Company was custodian for the funds. Operations began in a storeroom rented from M. S. and L. O. Benton. A lot was offered by James Lewis

  • GMFS Mortgage
  • 4009-B Vineville Ave., Macon, GA, 31210
  • Lends in Georgia

  • GMFS is licensed as a mortgage lender in the following states: Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Kentucky, Louisiana, Mississippi, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. GMFS is an approved Fannie Mae Seller-Servicer, Freddie Mac Seller-Servicer

  • Ocmulgee Mortgage Company
  • 268 Amanda Drive, Macon, GA, 31216
  • Lends in Georgia

  • Ocmulgee Mortgage Company is a locally owned mortgage company in business and designed to help families obtain mortgage loans without having to deal with the headache of large institutions. Ocmulgee Mortgage Company prides itself on competence and quickness of process. We look forward to serving you today!

  • PrimePoint Mortgage LLC
  • 30 East Johnston Street, Suite B, Forsyth, GA, 31029
  • Lends in Georgia

  • 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.

  • Combined Employees CU
  • 593 Russell Parkway, Warner Robins, GA, 31088
  • Lends in Georgia

  • Combined Employees Credit Union is a not-for-profit financial cooperative that has enjoyed a long, remarkable history of serving our members. On October 6, 1969, what started with just 6 men and $200 has turned into a place of financial services opportunity for more than 3, 300 members.
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