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?



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