In 2026, the USDA loan limit in Gainesville, which is in Hall, GA, is $336,500. The FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the day's best USDA and FHA rates, and assess the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA programs, aiding your decision on the best choice for financial needs in .
Loan Limits and Down Payment Requirements for 2026 in Gainesville, Hall, GA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Programs in Gainesville, GA
Lendersa® aims to efficiently connect you with the best USDA or FHA loans, free of hassle. Choose one of three starting paths to find matching lenders and USDA loan options tailored to your needs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. Exclusively for rural areas, unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require none, providing a unique advantage for eligible applicants.
Peach State Bank & Trust is the largest true community bank in Hall County. We have a seasoned management team and a strong board of directors who are not only dedicated to our customers but to this community. We offer competitive rates, a variety of accounts - both personal and business. We hope you will call us or stop by today
"Founded in 1971 as HALLCO Community Credit Union, we grew into a full-service financial institution offering a wide range of banking products and services with branch locations in Gainesville, Oakwood, Flowery Branch and Cleveland.
As the communities and the needs of the residents in the area around us expanded, so did we"
HOMESTAR Financial Corporation is a full service mortgage banker controlling every aspect of the loan process with in house processing, underwriting, closing and funding of each mortgage transaction. Having an in-house team separates HOMESTAR from other mortgage companies because it is easier for HOMESTAR mortgage lenders to communicate quickly
The Pure Light Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Cardinal Mortgage, Inc. is committed to helping you find the right mortgage product for your needs. An Atlanta, Georgia mortgage broker we understand that every borrower in Georgia is different, and we offer a variety of mortgage products to meet your individual home loan requirements.
Lanier Federal Credit Union (LFCU), was Federally chartered in 1969 as a Not-for-profit Financial Cooperative to serve employees of Chicopee Manufacturing Company (a division of Johnson & Johnson). (f/k/a Chicopee Federal CU) Due to additional requests for services in 1982, the charter was approved to serve two groups affiliated with Chicopee
In 2012, after 15 years in the mortgage industry, Barb Bone stepped out to establish Safe Harbor Mortgage, a residential mortgage brokerage built upon three core values - professionalism, integrity, and a committment to personal service. In an industry often marked by companies chasing profits over the priorities of their customers
At Real Estate Financial Services. We are a full-service mortgage company based in Sugar Hill, Georgia. We specialize in FHA and VA Mortgages for First Time Home Buyers in Sugar Hill. We also serve the surrounding cities in Gwinnett County. Whether you are buying a home or refinancing in any of these zip codes: 30518, 30005, 30024
Buford Finance has grown to be a major consumer lender in Georgia since 1986. We make consumer loans from $300 to $5, 000. Since 1986, our mission is to serve the financial needs of our community. It is our effort to provide financing options for individuals and small business owners.
