USDA and FHA Pro and Con in Albany, Dougherty County, GA
In 2025, the established USDA loan limit in Albany, within the county of Dougherty, GA amounts to $336,500. In comparison, the FHA loan limit for a single-family home reaches $472,030.
Take advantage of the Lendersa® USDA loan calculator to evaluate and juxtapose today’s USDA versus FHA rates and discern the requirements needed to qualify, including income, credit scores, financial reserves, and necessary documentation. Our enhanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, assisting you in determining which program in is most suitable for your specific financial landscape.
2025 loan limits and down payment requirements in Albany, situated in Dougherty county, GA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Albany, GA
Lendersa® is committed to securing you the most advantageous USDA or FHA loan, quickly and without unnecessary complications. You have three pathways to consider, starting points that align with lenders and available USDA loan programs.
The USDA home loan, guaranteed by the United States Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is exclusively accessible in rural communities. FHA loans require a minimum down payment of 3.5%, whereas the USDA mortgage loan stands out with no down payment obligation.
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15 Colonial Drive, Suite 14, Youngstown, OH, 44505
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