USDA Vs. FHA your options comparison in Fort-Oglethorpe, Catoosa County, GA

In 2025, the USDA loan limit for Fort-Oglethorpe, located in the county of Catoosa, GA, stands at $285,000, whereas the FHA limit for single-family homes is $356,362.

Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates and determine necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in determining the most suitable program in for your financial scenario.

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2025 Loan Limits and Down payment Requirements in Fort-Oglethorpe, Catoosa, GA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Fort-Oglethorpe, GA

Lendersa® strives to secure you the best USDA or FHA loans quickly and effortlessly. Choose from three pathways to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in GA

A USDA home loan, backed by the Department of Agriculture, is also called a USDA rural development loan or USDA mortgage. Available exclusively in rural areas, it requires no down payment—unlike FHA loans, which require a minimum of 3.5%.

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



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  • Over 100 years ago, the Bay Port State Bank of W.H. Wallace and Company was established to serve the financial needs of the area. Bay Port State Bank is proud to be part of this growing community and looks forward to many more years of service. Bay Port State Bank Shall always be mindful of the need to increase shareholder value.
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  • Franklin Mint Federal Credit Union has provided financial products and services to its members in the greater Philadelphia region and beyond since 1970. FMFCU presently ranks ninth in asset size among Pennsylvania credit unions and remains the largest financial institution headquartered in Delaware County, Pennsylvania. FMFCU has 100, 000 members
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