FHA VS Conventional loan programs in Valdosta, Lowndes County, Georgia
In 2026, the conventional loan cap in Valdosta, located in Lowndes county, GA, stands at $726,200. Meanwhile, the limit for an FHA loan targeting a single-family residence is $472,030.
Lendersa® offers a Conventional loan calculator that helps you examine today's competitive rates for Conventional, FHA, and USDA loans. Evaluate the income, credit, reserves, and the necessary documents you need for qualification. Our sophisticated mortgage calculator displays options for Conforming Conventional loans, USDA, FHA, and VA in a side-by-side comparison, facilitating your decision-making for selecting the best program for your unique financial status in GA.
2026 Credit Limits and Downpayment Specifications in Valdosta, Lowndes City, GA
Loan Type
Loan Maximum
Initial Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The data in this table is relevant to the following zip codes: 31698
Variety of Conventional and FHA Loan Selections in Valdosta, GA
Lendersa® aims to streamline the process to secure the most suitable Conventional, USDA, or FHA loans efficiently and without hassle. Start by choosing one of three pathways that connect you to corresponding lenders and loan programs.
Our bank was founded in 1997. Our founders established a bank based on time-tested methods of sound financial management. The bank they envisioned would serve people like themselves, who enjoy living and working in the unique region of South Georgia. Guardian Bank flourished as it helped people prosper.
We pride ourselves on being a true community bank. Our bankers are your neighbors and your friends-- and we truly understand the needs of our local people. We have, and will continue to be, committed to building relationships with our customers and our community across South Georgia.
Ameris Bank is a financial institution serving customers across the Southeast and Mid-Atlantic. Through online account opening, customers across the nation can benefit from Ameris Bank products and services. Ameris Bank has full-service locations in Alabama, Florida, Georgia and South Carolina and mortgage-only.
Southeastern Credit Union is a not-for-profit financial institution. We were founded in 1953 as Moody Air Force Base Federal Credit Union, originally offering credit union membership to base employees and their immediate family.Since then, we've changed our name and our charter to serve our current ten-county area in South Georgia.
First Federal Savings and Loan Association of Valdosta
411 N Patterson St, Valdosta, GA, 31601
Lends in Georgia
First Federal was founded in 1934 by a group of businessmen who had a vision for thrift and homeownership in Valdosta/Lowndes County. Since that time, First Federal has grown and flourished along with this area. It is our goal to keep the original vision as our theme and mission for the future.
The Valdosta Teachers' Federal Credit Union was organized in 1958. The first Board of Directors were: Fredeva Ogletree, President; A.W. Basemore, Vice-President; Nan Allen, Treasurer; Walter Harrison, Secretary. Other Directors included: Ms. Willie Dewberry, Hadley McDuffie and Clara Stipe.
Georgia Power Valdosta Federal Credit Union was granted a federal charter in March 1958 to serve the financial needs of the Georgia Power Company employees and their families across the southern tier of the state. It remained a single sponsored occupationally bonded credit union until 1995.
South Georgia Banking Company is a full-service, independent, locally owned bank. Now in our 50th year of operation, SGBC provides a wide variety of banking services targeted primarily to the personal consumer, small business, and agricultural sectors. With locations in Tift, Colquitt, and Dooly counties, we take pride in the communities we serve.
