USDA Vs. FHA Pro and Con comparison in Garden-City, Chatham County, GA
In 2025, the USDA loan limit for Garden-City in the county of Chatham, GA, is set at $285,000, whereas the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to compare the current USDA vs. FHA rates. Determine the necessary income, credit score, reserves, and documentation required for eligibility. Using our sophisticated mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, guiding you to choose the ideal program for your unique financial situation in .
Loan limits and downpayment details for 2025 in Garden-City, Chatham, 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 choices in Garden-City, GA
Lendersa® aims to quickly connect you with the optimal USDA or FHA loans. Choose one of the three starting paths to link with suitable lenders and USDA programs.
The USDA home loan, backed by the Department of Agriculture, is often termed the USDA rural development loan or mortgage. It's available solely in rural sectors. Unlike FHA loans that necessitate a 3.5% down payment, USDA mortgages require none.
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