USDA Loan Vs. FHA loan for Gray, GA 2026

In 2026, the USDA loan limit for Gray, located in Jones county, GA, is $336,500. Meanwhile, the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today’s USDA versus FHA rates, helping you determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator gives a side-by-side comparison of USDA, FHA, Conforming, and VA programs, assisting you in selecting the most suitable option for your financial scenario in .

USDA and FHA Loan Options in Gray, GA

The goal of Lendersa® is to provide the best possible USDA or FHA loan quickly and with ease. Choose one of three starting points that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding the USDA Loan in GA

The USDA home loan, backed by the Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans necessitate no down payment.

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(478) 741-4428 Lender's profile and map Georgia Guard Credit Union 1030 Shurling Dr, Macon, GA, 31211 Lends in Georgia Georgia Guard Credit Union now offers 24-hour access to your account information from home. Online Account Access is a secure site in which you as member’s are able to: Check Account Balance Inquire on Account History Transfer Funds Between Accounts Order Checks and View New Styles Change Your Personal Access Password And much more
(478) 784-1448 Lender's profile and map American Pride Bank 4740 Log Cabin Drive, Macon, GA, 31204 Lends in Georgia The American Pride Bank location of American Pride Bank was established Dec 12, 2007 (14 years and 5 months ago). They are one of 4 branch locations operated by American Pride Bank. For ATM locations, drive-thru hours, deposit info, and more information consider visiting their online banking site at: www.americanpridebank.com APB is a communit
(478) 745-0494 Lender's profile and map CGR Credit Union 2040 Ingleside Ave, Macon, GA, 31204 Lends in Georgia CGR Credit Union is a not-for-profit, member-owned and -operated, State chartered financial services organization. Founded by hospital employees in 1971, CGR Credit Union has served over 10,000 healthcare employees, professionals, members and their families. On the surface we may look like any other full-service community credit union
(478) 746-2063 Lender's profile and map Midtowne Mortgage LLC 2614 Riverside Drive, Macon, GA, 31204 Lends in Georgia Our staff of mortgage service professionals make themselves accessible to clients around the clock, and strives to obtain the best mortgage loan package no matter what the situation. Our mortgage experts treat you with the respect due a valued customer and give you the personal attention you deserve.
(478) 471-9946 Lender's profile and map MidSouth Community Federal Credit Union 4810 Mercer University Dr, Macon, GA, 31210 Lends in Georgia MidSouth Community Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder/owner of a unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
(478) 287-4809 Lender's profile and map GMFS Mortgage 4009-B Vineville Ave., Macon, GA, 31210 Lends in Georgia GMFS is licensed as a mortgage lender in the following states: Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Kentucky, Louisiana, Mississippi, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. GMFS is an approved Fannie Mae Seller-Servicer, Freddie Mac Seller-Servicer
(478) 219-1163 Lender's profile and map Macon-Bibb Employees Credit Union 150 Willie Smokie Glover Drive, Macon, GA, 31201 Lends in Georgia Macon-Bibb Employees Credit Union was established in 1951 to serve the employees of Macon and Bibb county Georgia and their families. The credit union is a member-owned financial cooperative providing affordable banking services to members. While banks return profits to stockholders
(706) 468-6418 Lender's profile and map Bank of Monticello 141 East Greene Street, Monticello, GA, 31064 Lends in Georgia On March 22, 1892, a citizens meeting was held at the Jasper County Courthouse, Monticello, Georgia, to issue stock at $100.00 per share to establish Bank of Monticello. The Jackson Banking Company was custodian for the funds. Operations began in a storeroom rented from M. S. and L. O. Benton. A lot was offered by James Lewis
(478) 919-2160 Lender's profile and map Ocmulgee Mortgage Company 268 Amanda Drive, Macon, GA, 31216 Lends in Georgia Ocmulgee Mortgage Company is a locally owned mortgage company in business and designed to help families obtain mortgage loans without having to deal with the headache of large institutions. Ocmulgee Mortgage Company prides itself on competence and quickness of process. We look forward to serving you today!