In 2026, the USDA loan limit in Augusta, county of Richmond, GA, is set at $0, whereas the FHA limit for a single-family property is $472,030.
Leverage the Lendersa® USDA loan calculator to compare today’s premier USDA versus FHA rates and determine the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA options side by side, helping you pick the most suitable program in for your financial needs.
Loan Limits and Down Payment Requirements for 2026 in Augusta, Richmond, GA
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Augusta, GA
The aim of Lendersa® is to quickly connect you with the best USDA or FHA loans without hassle. Begin with one of three potential starting points leading to lender matches and USDA loan opportunities tailored to your needs.
A USDA home loan is a mortgage backed by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, specifically available in rural areas. In contrast to FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment, presenting an accessible option for eligible buyers.
In 1976, Health Center Credit Union (HCCU) was chartered by the Georgia Department of Banking and Finance. HCCU opened its first office in the Murphy Building at the Medical College of Georgia (Augusta). The second branch was opened in 1987 at St. Joseph Hospital (University Hospital Summerville) followed by branches at Augusta State University.
The UNFCU is a non–for–profit financial organization owned and operated by its membership. The Credit Union was charter in 2003. The membership consists of the Beulah Grove Baptist Church, the Broadway Baptist Church, their affiliates, members and their family members. As these individuals pool their resources.
1030 Jimmie DYess Parkway, Suite 7, Augusta, GA, 30909
Lends in Georgia
Mortgage First Augusta is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
First Choice Mortgage in Augusta, GA houses an experienced, dedicated, and knowledgeable team. We are one of the best mortgage lenders and brokerage firms serving the lending needs of real estate professionals, builders, and individual homebuyers throughout Georgia and South Carolina since 1992.
Established in 1976, Augusta Mortgage Company is Augusta’s oldest independent mortgage company. Utilizing the latest in technology, Augusta Mortgage Company can provide our customer’s loan approval within minutes of application and tailor the most appropriate and competitive services. We were Augusta’s first direct endorsement FHA lender
601 North Belair Square, Suite 26, Evans, GA, 30809
Lends in Georgia
We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
141 North Belair Road, Suite 102, Evans, GA, 30809
Lends in Georgia
Augusta Mortgage Solutions serves residential mortgage customers throughout the State of Georgia with a full selection of loan options. These include FHA, VA and conventional loans for purchase and refinance needs. We have the experience and the connections to provide a smooth mortgage process with a personal touch.
