USDA and FHA Pro and Con in Athens, Clarke County, GA
As of 2026 in Athens, located in Clarke county, GA, the USDA loan limit stands at $0. In contrast, the FHA loan limit for a single-family residence is $516,350.
Utilize the Lendersa® USDA loan calculator to evaluate today's best rates for both USDA and FHA loans, so you can understand the income, credit score, reserves, and documents required to qualify. Our advanced mortgage comparison tool allows you to compare USDA, FHA, Conforming, and VA loan options side by side, aiding in determining which program in suits your financial circumstances best.
2026 loan limits and down payment requirements in Athens, Clarke county, GA
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$516,350
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA loan opportunities in Athens, GA
The mission of Lendersa® is to secure you an optimal USDA or FHA loan swiftly and efficiently. Initiate one of three pathways to match with lenders offering suitable USDA loan programs.
A USDA home loan, supported by the U.S. Department of Agriculture, also known as a USDA mortgage or rural development loan, is accessible in rural areas exclusively. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage does not necessitate any down payment.
Classic City Bank is a local, community bank that was started in Athens, Georgia, in November 2020, with the goal of providing the businesses and the citizens of the Athens community "banking the way it should be". With over 100 years of combined banking experience in the Athens market, the management team of Classic City Bank offers a Local
100 Athens Town Boulevard, Suite 2, Athens, GA, 30606
Lends in Georgia
BankSouth is a community bank headquartered in Lake Oconee, Georgia. Serving our communities for over 70 years, we offer the flexibility, warmth and customer service that only local decision-making can provide. With branch offices in Lake Oconee, downtown Greensboro, Watkinsville, Atlanta, and Savannah, Georgia,
Oconee State Bank is a locally owned and operated Community Bank in Oconee County, offering a competitive line of products and services. Oconee State Bank has 3 full-service branches located in Oconee County, GA. In December 2004, the H. Mell Wells Operations Center and Rosella E. Hansford Learning Center were dedicated.
Remarkable Mortgage leaves a lasting impression on the customers we serve, bringing confidence and simplicity to home financing. Launched by an experienced team of loan advisors in February 2022, Remarkable Mortgage brings an innovative and progressive approach to mortgage loans by offering top-notch customer service and customized loan solutions.
1351 Jennings Mill Rd, Suite A, Watkinsville, GA, 30677
Lends in Georgia
"Aviante Mortgage is placed in the lineup among other Real Estate Companies. This establishment is rated 4 by NiceLocal users and provides its services in Georgia city by the official address: Watkinsville, GA 30677, 1351 Jennings Mill Rd. Geographic system coordinates are: longitude — 83°27'42.66''W (-83.46185), latitude — 33°55'5.52''N (33.9182
Offering Home buying/refinancing at Wholesale Rates & Costs to Residents in Georgia. We are a family serving families and American Wholesale Mortgage, Inc. is blessed to be a part of your family's story. Thank you for that honor and privilege. Our goal is to provide you the experience, knowledge and support to make sure the process is as easy
At First American Bank & Trust, our core convictions are not just vague words in a book no one reads. For us, it's the way our business is done. We found them easy to identify because it's what we do. They're what make us the strong and stable, local bank that's here for you. We are a financial institution that specializes in serving you.
Athens Mortgage Resources, Inc. was founded by William A. Jones, Jr. on December 7, 1988, after he retired from his 20 years of service in the United States Air Force. Since its creation, Athens Mortgage has always provided the best and lowest rates & closing costs in the Athens/Oconee area. Along with the best deal in town
Pinnacle Bank has been a locally owned, community bank since 1934. We specialize in meeting our customers' financial needs, both now and into the future. Local decisions, quick responses and numerous locations are just a few of the reasons to choose Pinnacle Bank and also Pinnacle Bank is a state chartered community bank serving Elbert, Franklin, H
