USDA and FHA Pro and Con in Ellijay, Gilmer County, GA

In 2025, the USDA loan limit for Ellijay, in the county of Gilmer, GA, is $336,500. Conversely, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA vs. FHA rates, and understand the required income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best plan in for your unique financial constraints.

Review loan offers from 100 lenders

2025 Loan Limitations and Downpayment Essentials in Ellijay, Gilmer County, GA

Loan Type Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conforming $726,200 3%

Exploring USDA and FHA Loan Opportunities in Ellijay, GA

Lendersa® prioritizes securing the best USDA or FHA loan for you swiftly and with ease. Choose your starting route among three options to align with lenders and USDA loan programs tailored to your needs.

Lendersa USDA loan request and matching outcomes

What Defines a USDA Loan in GA?

A USDA home loan, officially backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively for rural areas. Unlike FHA loans that necessitate at least a 3.5% down payment, USDA mortgages require no down payment at all.

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



  • Cypress Bank
  • 120 S. Greer, Pittsburg, TX, 75686
  • Cypress Bank officially began operation October 3, 1977. Beginning with capital of $500, 000 and three full time employees. We now post assets of $200, 000, 000 and capital of $21, 500, 000 and employ 75 employees at our five locations. Our growth is reflective of the growth and prosperity of the Northeast Texas region.
  • Shorewest Realtors, Inc
  • 17450 W. North Ave, Brookfield, WI, 53045
  • John A. Horning's mission to establish Wisconsin's premier real estate company began in 1946 under the name Wauwatosa Realty. Conducting business within his home office, Horning sought to provide his clients with exemplary customer service that extended beyond a transaction. He looked to instill a familial relationship with each customer
  • Wisconsin Mortgage Corporation
  • 17450 West North Avenue, Brookfield, WI, 53045
  • Wisconsin Mortgage Corporation Offering home loan services since 1983, Wisconsin Mortgage Corporation has been providing quality home loans across Wisconsin. Through the years, Wisconsin Mortgage Corporation has always delivered the most progressive mortgage solutions available. Technology and a highly professional team.
  • Prosperity Home Finance
  • 516 29th St, West Palm Beach, FL, 33407
  • We understand the ups and downs that come with the challenge of home buying, or commercial building. Our professional and dedicated team has a passion for helping you secure the mortgage that's right for your situation. We take the frustration out of complex financing. We work with you each step of the way, keeping you updated with each development
  • Gerber Federal Credit Union
  • 508 W State St, Fremont, MI, 49412
  • Gerber Federal Credit Union was founded here in Michigan, and we’re focused on growing here. Our promise is to provide high quality services to satisfy member financial needs through competitive products and services and friendly, well-trained, caring employees applying the latest technology.
  • SouthWind Mortgage Inc
  • 1975 Sansburys Way, Suite 103, West Palm Beach, FL, 33411
  • Our Mortgage Professionals have combined financial experience helping Realtors, their clients, homeowners & business owners for over 35 years.President Donald Cahill, has established a professional reputation of honesty, integrity, & competence within the Morgagre Brokerage industry.Southwind Mortgage the practices can be summed up in one sentence.
  • Buccaneer Mortgage
  • 2101 Vista Pkwy, West Palm Beach, FL, 33411
  • Buccaneer Mortgage The GoodPirates Home Loans is located in West Palm Beach, Florida. Buccaneer Mortgage was formed in 2000 and is currently licensed as a Mortgage Lender in the State of Florida and a Mortgage Broker in the US Virgin Islands. Buccaneer Mortgage is a full service lender offering both residential mortgages and commercial mortgages.
  • The Lending Hub Inc
  • 2101 Vista Parkway West, Palm Beach, FL, 33411
  • The Lending Hub, Inc. is a Licensed Mortgage Broker business located in West Palm Beach, Florida. We provide Financing to Purchase or Refinance Residential & Commercial Property. Our team of Mortgage professionals have over 20 years of experience providing clients personal attention to their financing needs.
  • Maquoketa State Bank
  • 203 N Main St, Maquoketa, IA, 52060
  • As a locally owned bank, Maquoketa State Bank is in touch with the community we serve and is responsive to the financial needs of our cuWe work hard to provide innovative solutions that give our customers, our neighbors, employers and friends, a safe and secure financial future...