USDA Vs. FHA Pro and Con comparison in Alma, Bacon County, GA
As of 2026, the USDA loan limit in Alma, located in Bacon County, GA, stands at $336,500. In contrast, the FHA limit for a single-family home is set at $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's competitive USDA and FHA rates. This tool helps ascertain the required income, credit, reserves, and documents needed for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA options side-by-side, aiding your decision on the most suitable program in for your specific financial needs.
2026 Loan Limits and Down Payment Needs in Alma, Bacon County, GA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming
$726,200
3%
USDA and FHA Loan Choices in Alma, GA
Lendersa® aims to efficiently find the best USDA or FHA loan for you, ensuring a smooth process. Choose one of three starting options that will connect you with lenders and suitable USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, a USDA mortgage requires no down payment whatsoever, enabling easier access to homeownership.
Pineland Bank began as Alma Exchange Bank & Trust and was chartered on September 13, 1939 in Alma GA when directors Valene Bennett, Nathan Cohen, M E Jones, John Mullis and J F Ramsey received permission to convert Alma Exchange Credit Union to a state chartered financial institution.
At Community Bank of Georgia, we are continually trying to maintain the personal feel of a true community bank while offering all of the latest financial products for our customers. As part of your community, we take pride in the relationships we have developed with our customers and understanding their individual needs.
22 South Tallahassee Street, Hazlehurst, GA, 31539
Lends in Georgia
At the Bank of Hazlehurst, we pride our selves in our ability to offer a full range of financial products and services. You won't find more superior service or friendliness anywhere in today's marketplace.
They provide the following services: Full Service Office Location and are located at 22 South Tallahassee Street
First National Bank of Coffee County opened for business September 23, 1991, to serve Coffee and surrounding counties as a locally owned community bank. We believe First National Bank of Coffee County is the best choice to serve as your banking partner and would like the opportunity to prove it.
Douglas National Bank staff members carry a card which states our commitment to service quality. In summary, the card states that: It is the responsibility of each employee to create a positive work environment with emphasis on teamwork and efficiency in meeting customer's needs. We will think and act with a sense of urgency so that our customers.
The Ware County School Employees Federal Credit Union was established in 1962. Our field of membership consists of employees and immediate family members of the Ware County Board of Education and Okefenokee RESA.
The mission of WCSEFCU is to provide the highest quality of financial services and customer service to support the financial needs
Interstate Credit Union has been a local not-for-profit, member-owned cooperative. People who do their banking at Interstate Credit Union are members, not just customers. They are full voting members and own a “share” in the Credit Union with their primary savings account. Everyone must keep $5 in their primary savings account to remain a member.
Located in McRae-Helena, Telfair County, Georgia, The Merchants & Citizens Bank has been the "hometown" bank of choice since 1929! We are proud of that record. We are also proud to be a part of the "Crossroads Community". As such, we are privileged to offer our customers that small bank experience while ever expanding their banking needs.
In 1904, a group of citizens from Glennville, Tattnall County, GA and the surrounding community recognized the need for a local bank. On March 13, 1905, after acquiring property and erecting a building at the downtown corner of Barnard and Caswell Streets, Glennville Bank was officially opened.
