In 2026, the USDA loan limit in Bainbridge, within Decatur County, GA is $336,500, whereas for a single-family home, the FHA limit is $472,030.
Using Lendersa® USDA loan calculator, you can compare today's optimal USDA and FHA rates. Assess the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs simultaneously, helping you choose the best plan for your financial goals in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to swiftly link you with top USDA or FHA loans minus the hassle. Choose from three starting paths to pair with suitable lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development or USDA mortgage, is strictly available in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, a USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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