USDA VS FHA 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
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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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