USDA Vs. FHA your options comparison in Augusta, Richmond County, GA

In 2025, 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.

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Loan Limits and Down Payment Requirements for 2025 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.

  1. Submit your ultimate request with USDA/FHA loan optimization
  2. Check USDA and FHA rates & terms before anything else
  3. Access the largest database of USDA loan providers
Lendersa USDA loan request and matching results

What is a USDA Loan in GA?

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.

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  • Gharibian Real Estate & Finance
  • 700 N Brand Boulevard, Glendale, CA, 91203
  • Gharibian Real Estate & Finance, has been in the finance industry for almost 30 years.we have helped thousands of clients in our community for their financing and real estate needs. In our financing department, we offer all types of residential and commercial real estate related loans, including but not limited to conventional, FHA, hard money, SBA

  • Fidelity Funding
  • 450 N Brand Blvd, FL 6, Glendale, CA, 91203
  • Fidelity Funding specializes in providing loans to almost every type of property, both residential and commercial. We arrange both lst, 2nd, and 3rd trust deeds, including home equity lines of credit. We provide Hard Money Loans, Alternative Financing Loans, Commercial Loans, Residential Purchase

  • Silver Spoon Properties & Lending
  • 450 N. Brand Blvd., Suite 600, Glendale, CA, 91203
  • Carlo Honanian is the Broker and President of Silver Spoon Investments. Carlo started off his career as a Vice President with Chase Bank in the early 1990s with extensive experience in residential and commercial loans, banking, compliance, human resources, sales, clients services,and branch management.

  • Camino Financial
  • 309 E 8th Street, Suite 601, Los Angeles, CA, 90014
  • "Camino Financial is an online finance company offering business loans and solutions to help small businesses grow. Camino Financial advises small businesses on getting access to capital and building their business credit. The Company provides up to $500, 000 in business funding and assists its clients in applying for financing."

  • Unify Home Loans
  • 621 South Spring Street, Suite PH1010, Los Angeles, CA, 90014
  • At Unify Home Loans, we not only find you the right loan we also get you connected to a real estate professional, in the neighborhood you desire. With an extensive network of agents in the Greater Los Angeles area and Orange County, we can get you connected with one that has extensive knowledge of your desired location.

  • Smart Money Broker, Inc.
  • 530 W 7th St, Suite PH2, Los Angeles, CA, 90014
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.

  • Paradise Private Money
  • 610 S. Main Street #PH212, Los Angeles, CA, 90014
  • Paradise Private Money is a boutique private money mortgage firm specializing in filling the needs of small to medium sized real estate investors on both the buyer and trust deed investor side. This company was formed to simplify and streamline the process of securing funds for investing in real estate.

  • Manufacturers Bank
  • 515 South Figueroa Street, Los Angeles, CA, 90071
  • Manufacturers Bank is a subsidiary of SMBC Americas Holdings, Inc, a bank holding company wholly owned by Sumitomo Mitsui Banking Corporation. For nearly 60 years, Manufacturers Bank has been the right-sized bank for middle market and corporate businesses providing sophisticated solutions and the expertise of a larger institution.

  • GBC International Bank
  • 333 S Grand Ave, Suite 3500, Los Angeles, CA, 90071
  • GBC International Bank, (GBCIB) is fully committed to providing convenient and comprehensive financial solutions that will increase efficiency as well as save time for their domestic and international clients. GBC accomplishes this by providing them with customized services, specifically tailored to achieve their specific financial objectives.

  • Liberty Lending Group
  • 633 W 5th St, 26th Floor, Los Angeles, CA, 90071
  • Liberty Lending Group is committed to providing personal financial security to all our consumers by connecting you with the right lender regardless of your financial history. We will streamline your application process and assist you in securing a loan with low fixed rates with a single affordable monthly payment.

  • Capital Funding Corporation of America
  • 515 South Flower Street, Los Angeles, CA, 90071
  • Capital Funding Corporation of America is a direct lender that provides customized debt financing solutions to real estate professionals taking advantage of current market opportunities. Our primary goal is to provide secured real estate loans quickly, efficiently, and at competitive rates.

  • Thorofare Capital, Inc.
  • 633 West Fifth St., Suite 2200, Los Angeles, CA, 90071
  • Thorofare Capital, Inc. is a Los Angeles-based commercial real estate loan origination and servicing company. The firm focuses on $5 million to $100 million financing transactions, targeting value-add and opportunistic acquisitions, recapitalizations, and distressed debt secured by transitional properties
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