In 2026, the USDA loan limit for Covington in Newton County, GA is $377,200, whereas the FHA limit for a single-family home is $592,250.
Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA interest rates available today and determine the income, credit scores, reserves, and documents required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, enabling you to decide which program in Alabama best suits your financial situation.
Examine loan offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $377,200 | 0% |
| FHA | $592,250 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to connect you with the most advantageous USDA or FHA loans quickly and easily. Begin with one of three approaches to find matching lenders and appropriate USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development or USDA mortgage loan, is specifically available in rural areas. Unlike FHA loans that require at least a 3.5% 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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