USDA VS FHA in Decatur, DeKalb County, GA

In 2026, the USDA loan limit for Decatur in DeKalb County, GA, is set at $330,200, while the FHA limit for a single-family home is $592,250.

Use the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates and determine the needed income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator positions USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best program for your financial requirements in .

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2026 Loan Limits and Downpayment Requirements in Decatur, DeKalb County, GA

Loan Type Loan Limit Down Payment
USDA $330,200 0%
FHA $592,250 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Decatur, GA

Lendersa® is committed to swiftly securing the most favorable USDA or FHA loan options without hassle. Select one of the three starting paths that align you with matching lenders and USDA loan programs.

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Understanding the USDA Loan in GA

A USDA home loan, also known as a USDA rural development loan, is backed by the Department of Agriculture. This loan is available solely in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • International Lenders Inc
  • 2665 Southwest 37th Avenue, Suite 804, Miami, FL, 33133
  • We are a Mortgage Broker company specialized in assisting U.S Citizen and Foreign national clients gain access to asset based loans in the U.S. We’re about simplifying the process that gets clients from pre qualification to funding. Whether it’s your first attempt at getting pre-qualified or banks have previously turned you down

  • NEWLOANCO
  • 3390 Mary Street, Suite 116, Coconut Grove, FL, 33133
  • At NEWLOANCO , our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage..

  • Family America Mortgage Corp
  • 2937 SW 27th Ave #201, Miami, FL, 33133
  • Family America Mortgage Corp, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Korth Direct Mortgage
  • 2937 SW 27th Ave, Ste 307, Miami, FL, 33133
  • KDM Financial is a middle market commercial mortgage lender offering financing from $3,000,000.00 to $70,000,000.00 on commercial real estate including multifamily, mixed-use, office, light industrial, self-storage and warehouse property types.KDM was organized in 2016 and is a publicly reporting company

  • BridgeInvest
  • 2601 South Bayshore Drive, Suite 1200, Miami, FL, 33133
  • BridgeInvest is a leading private real estate lender focused on short-term financing for unique commercial and residential assets throughout the Southeast US.
    With over 25 years of on-the-ground experience, our dedicated team has established the ability to rapidly analyze, structure and manage any loan from origination to payoff.

  • Kerwin Mortgage Corp
  • 5944 SW 73rd Street, Miami, FL, 33143
  • For over 60 years, Kerwin Mortgage Corporation has offered South Florida a reliable and trustworthy source for real estate financing. With our office in South Miami since its inception, the Kerwin name is a staple in the local community. Repeat customers and long-term relationships are the key to our business model

  • Mortgage Store Co
  • 1311 S Princeton Ave, Arlington Heights, IL, 60005
  • The Mortgage Store Co., where we specialize in residential mortgages. At The Mortgage Store Co., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • HomeSmart International, LLC
  • 3030 Salt Creek Ln, Suite 145, Arlington Heights, IL, 60005
  • In 2000 HomeSmart announced its Grand Opening with only two Agents. A reputation for advanced technologies soon followed. As a result, HomeSmart rapidly developed into the #1 Real Estate brokerage in size and sales volume in the Phoenix, Arizona area. With a commitment to its Agents and Clients, HomeSmart grew to over 8, 000 agents worldwide.

  • AAEC Credit Union
  • 1104 S. Arlington Heights Rd, Arlington Heights, IL, 60005
  • AAEC Credit Union has assets of approximately 84 million dollars. We offer a full range of financial services designed to help our members manage their money effectively.AAEC is a state chartered institution and all deposits are insured up to $250, 000 by the National Credit Union Administration (NCUA), an agency of the federal government

  • All In One Mortgage Lenders Cape Coral Branch
  • 6780 SW 80th St, Miami, FL, 33143
  • At ll In One Mortgage Lenders. Our staff has over 100 years combined experience serving the Real Estate and Building Industry of Florida. We are located at 6780 Southwest 80 Street Miami, Florida 33143. We are available to answer any questions you might have 24/7. All In One Mortgage Lenders professionals have earned their excellent reputation

  • Colin Barr, Mortgage Broker
  • 2340 S Arlington Heights Rd, Arlington Heights, IL, 60005
  • Colin Barr, Mortgage We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you.

  • Abacus Lending LLC
  • 7301 Southwest 57 Court, Suite 515, South Miami, FL, 33143
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. We thrive on the success and satisfaction of our clients. We will find you the best solution to meet your needs