USDA Vs. FHA Pro and Con comparison in Evans, Columbia County, GA
For 2026, USDA loan limits in Evans, in the county of Columbia, GA, are set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Leverage Lendersa®'s USDA loan calculator to compare the most competitive USDA and FHA rates available right now. You'll see a clear depiction of income, credit, reserves, and documentation needed for qualification. Our innovative mortgage calculator places USDA, FHA, Conforming, and VA loan options side by side, especially useful in determining the most suitable program in for your financial circumstances.
Loan limits and down payment requirements for 2026 in Evans, located in the county of Columbia, GA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
None Required
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA loan options in Evans, GA
At Lendersa®, our priority is ensuring you swiftly receive the optimal USDA or FHA loan without added stress. Choose from three initial steps that align you with suitable lenders and USDA loan options.
The USDA home loan is backed by the United States Department of Agriculture, frequently referred to as a USDA rural development loan or USDA mortgage, and is specifically available in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage loan requires no down payment.
601 North Belair Square, Suite 26, Evans, GA, 30809
Lends in Georgia
We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
141 North Belair Road, Suite 102, Evans, GA, 30809
Lends in Georgia
Augusta Mortgage Solutions serves residential mortgage customers throughout the State of Georgia with a full selection of loan options. These include FHA, VA and conventional loans for purchase and refinance needs. We have the experience and the connections to provide a smooth mortgage process with a personal touch.
First Choice Mortgage in Augusta, GA houses an experienced, dedicated, and knowledgeable team. We are one of the best mortgage lenders and brokerage firms serving the lending needs of real estate professionals, builders, and individual homebuyers throughout Georgia and South Carolina since 1992.
Established in 1976, Augusta Mortgage Company is Augusta’s oldest independent mortgage company. Utilizing the latest in technology, Augusta Mortgage Company can provide our customer’s loan approval within minutes of application and tailor the most appropriate and competitive services. We were Augusta’s first direct endorsement FHA lender
1030 Jimmie DYess Parkway, Suite 7, Augusta, GA, 30909
Lends in Georgia
Mortgage First Augusta 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 and straightforward by offering you the latest in financial tools
In 1976, Health Center Credit Union (HCCU) was chartered by the Georgia Department of Banking and Finance. HCCU opened its first office in the Murphy Building at the Medical College of Georgia (Augusta). The second branch was opened in 1987 at St. Joseph Hospital (University Hospital Summerville) followed by branches at Augusta State University.
The UNFCU is a non–for–profit financial organization owned and operated by its membership. The Credit Union was charter in 2003. The membership consists of the Beulah Grove Baptist Church, the Broadway Baptist Church, their affiliates, members and their family members. As these individuals pool their resources.
Farmers State Bank is a locally owned and operated community bank which has been proudly serving the CSRA for over 100 years. We offer a wide array of deposit products and services to our customers with competitive rates on checking, savings, certificates of deposit, and IRA accounts.
