USDA VS FHA in Griffin, Spalding County, GA

In 2025, the USDA loan limit for Griffin, situated in Spalding County, GA, is $377,200. Meanwhile, for a single-family home, the FHA limit is $592,250.

Utilize the Lendersa® USDA loan calculator to measure today’s top USDA and FHA rates, determining the income, credit, reserves, and necessary documents to qualify. This advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial needs in .

Explore loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Griffin, Spalding County, GA

Loan Type Loan Limit Down Payment
USDA $377,200 0%
FHA $592,250 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Griffin, GA

Lendersa®'s aim is to promptly secure you the best USDA or FHA loan, free of hassle. Choose one of three available paths that connect you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in GA

A USDA home loan, also called a USDA rural development loan, is guaranteed by the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans need no down payment.

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



  • Farmers State Bank & Trust Company
  • 127-129 W. Main St., Mount Sterling, IL, 62353
  • We are the only locally-owned bank in Brown County, IL. With our focus on community for over 100 years, we have always aimed to provide our customers with the tools you need to thrive. Recognizing that agriculture is the primary industry of Brown County, the policy of Farmers State Bank & Trust Co
  • Brown County State Bank
  • 101 East Main Street, Mount Sterling, IL, 62353
  • Brown County State Bank was founded in Mt. Sterling, Illinois in 1901. In 2006, BCSB expanded to Adams County by joining with Golden State Bank in Golden, Illinois. In 2010, BCSB became part of United Community Bancorp, Inc. and since 2014, now serves customers as United Community Bank throughout Central Illinois and Northeast Missouri.
  • 7 17 Credit Union
  • 3181 Larchmont Ave NE, Warren, OH, 44483
  • 7 17 Credit Union makes it easier for members to reach their financial goals by offering low interest home and auto loans, higher interest and free checking accounts, saving accounts and more. With 13 conveniently located branches, 7 17 provides banking services to members in Trumbull, Mahoning, Columbiana, Summit, Portage and Stark counties.
  • First State Bank and Trust Company
  • 110 West Panola Street, Carthage, TX, 75633
  • First State Bank & Trust Company began serving Panola County residents in 1902. Since its inception, First State Bank & Trust Company has seen more than a century’s worth of growth, economic change and technological advancement, yet our dedication to providing high-quality financial services remains steadfast.
  • Morrisons Cove 1st Federal Credit Union
  • 7533 Woodbury Pike, Roaring Spring, PA, 16673
  • The Morrisons Cove 1st Federal Credit Union is a member owned and controlled Financial Institution whose purpose is to maximize benefits by providing cost-effectiveness and to promote thrift and cooperation among the membership; to expand both membership and services while maintaining financial soundness.
  • River Region Credit Union
  • 400 East Broadway, Ashland, MO, 65010
  • River Region Credit Union is a financial cooperative, owned and operated by its members, existing to encourage growth and better service through education and membership participation. The Credit Union will offer regular savings at competitive rates, promote thrift, quality loans at reasonable rates.
  • NwaLending.com
  • 2829 E Hyland Park Road, Fayetteville, AR, 72701
  • NwaLending.com is a leading mortgage lender in the Northwest Arkansas area & we pride ourselves for our friendly customer service. Call and set up an appointment today & we will help you formulate a plan for your next home purchase.Our office is in Northwest Arkansas near the U of A campus in Fayetteville, and we are owned by a local Arkansas Bank.
  • Hamstra Mortgage Professionals Inc
  • 2803 Boilermaker Court, Suite 1D, Valparaiso, IN, 46383
  • Hamstra Mortgage Professionals, Inc. is an Indiana licensed mortgage loan broker business. Hamstra Mortgage opened for business in September of 2006. Gene Hamstra is president/owner and has been in the mortgage business since March of 1989. With 28 years of experience, you will not find a more qualified loan originator.
  • Integrity Mortgage & Financial Services, Inc.
  • 3205 Cascade Dr, Suite B, Valparaiso, IN, 46383
  • We'll help you plan your finances with confidence.From financial analysis & cash flow assessments to refinances & reverse mortgages,we specialize in helping you manage your finances.There's no better time than now. Take the first step on the road to a more enjoyable and debt-free life
  • Social Mortgage LLC.
  • 1861 W25th Street, Cleveland, OH, 44113
  • Social Mortgage began with the belief that surrounding yourself with good company matters. Our founders understood this and require each team member to live by one simple philosophy…Do Good for our Clients and Community. Not only do we bring competitive rates and pricing, but we also bring care, understanding,