USDA VS FHA in Duluth, Gwinnett County, GA

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

With the Lendersa® USDA loan calculator, compare today’s top USDA versus FHA rates, and determine the necessary income, credit score, reserves, and documentation required for qualification. This advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Duluth, Gwinnett 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 Duluth, GA

Lendersa®'s aim is to quickly secure you the best USDA or FHA loan without hassle. Choose one of three starting points which connect you with matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in GA

The USDA home loan, guaranteed by the government’s Department of Agriculture and known as a USDA rural development loan, is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages do not require any down payment.

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



  • Gulf Coast Business Bank
  • 12205 Metro Parkway, Fort Myers, FL, 33966
  • Gulf Coast Business Bank, the first community bank to be started in 12 years, will fill the void and be operated by experienced and proven bankers from our local community who along with the board will invest more than $3M of the $20M raised in Capital and drive local deposits and loans to support organic and sustainable growth of GCBB.

  • Alliance Mortgage LLC
  • 10491 6 Mile Cypress Parkway, Suite 252 & 253, Fort Myers, FL, 33966
  • Alliance Mortgage manage your entire loan process in-house, from application to closing, to help your loan close faster. We also consider all the financial factors affecting your mortgage to help you strike the right balance – and our competitive mortgage rates, low closing costs, and wide array of mortgage products.

  • J Martin Mortgage Group LLC
  • 7000 Bergamo Way 102, Fort Myers, FL, 33966
  • J Martin Mortgage Group LLC has experience since 1994 and is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple

  • Bank of Pontiac
  • 300 West Washington Street, Pontiac, IL, 61764
  • Bank of Pontiac opened its doors for business in 1947. Since then, we’ve been providing financial solutions for the people of Livingston County, Grundy County, Tazewell County, McLean County and their surrounding communities. We are a strong community bank offering a variety of financial services to both individuals and businesses.

  • State Bank of Graymont
  • 1100 W. Howard Street, Pontiac, IL, 61764
  • The State Bank of Graymont was founded in 1913. Organizers for the State Bank of Graymont were headed by a Pontiac banker from the old National Bank of Pontiac. Other younger officers from the National Bank of Pontiac were also involved. Plus, there were other investors from the Pontiac area along with several investors from the Graymont area.

  • SRU FEDERAL CREDIT UNION
  • 100 Arrowhead Drive, Slippery Rock, PA, 16057
  • SRU Federal Credit Union is committed to providing exceptional, personalized service and promoting sound financial practices while maintaining a secure and stable environment for the economic well-being of our members.

    SRU Federal Credit Union began in 1958 as the Slippery Rock State Teachers College Federal Credit Union.

  • First Pioneers FCU
  • 2235 South College Road, Lafayette, LA, 70508
  • First Pioneers FCU was chartered in 1949 by the employees of AT&T. These forward looking people saw an opportunity to provide for individual thrift, mutual savings and access to low cost loans. Running a credit union meant pooling common savings through payroll deduction, then lending it to members.

  • PHI Federal Credit Union
  • 714 E Kaliste Saloom Road, Suite A-3, Lafayette, LA, 70508
  • In 1974, several PHI employees would meet each day for their coffee breaks. One day while they were enjoying their friendships over a cup of coffee, the topic of discussion was Credit Unions.

    The more they discussed the benefits a credit union could provide to the employees, the more excited they became about the possibility of organizing.

  • Loans with Gus
  • 91 Settlers Trace Blvd, Bldg 3, Lafayette, LA, 70508
  • Gus Abirached, my mission is to set a high standard in the mortgage industry. I am committed to quality customer service – putting the people I serve first. My goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available.

  • Neighborly Home Lending
  • 218 Rue Beauregard, Suite I, Lafayette, LA, 70508
  • Neighborly Home We are not like other mortgage brokerage companies hiding behind complicated language and products. Rather, our goal is to empower our customers by simplifying the complexity associated with getting a mortgage so that anyone can understand the process, and benefit from their understanding. We seek to provide unrivaled service.