In 2026, the USDA loan limit in Baldwin, within Habersham County, GA, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Employ the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates, identifying the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side-by-side, guiding you to choose the most suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming | $726,200 | 3% |
Lendersa® is dedicated to finding you the best USDA or FHA loan swiftly and with ease. Start with one of three options to match with lenders and USDA loan programs effectively.
A USDA home loan, secured by the government Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans provided don't require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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