USDA Vs. FHA Pro and Con comparison in Harlem, Columbia County, GA
In 2026, the USDA loan limit for Harlem, located in the county of Columbia, GA, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare current USDA vs. FHA interest rates and determine necessary income, credit, reserves, and documentation needed for eligibility. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, aiding in deciding which program in is most suitable for your financial situation.
Loan limits and down payment requirements for 2026 in Harlem, Columbia County, GA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming
$726,200
3%
USDA and FHA Loan Options in Harlem, GA
Lendersa® works to get you the ideal USDA or FHA loan swiftly and with ease. Begin with one of three paths to engage with lenders and explore USDA loan programs.
A USDA home loan, fully backed by the government's Department of Agriculture, also called a USDA rural development loan or mortgage, is offered solely in rural neighborhoods. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans require no down payment, enhancing affordability.
601 North Belair Square, Suite 26, Evans, GA, 30809
Lends in Georgia
We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
141 North Belair Road, Suite 102, Evans, GA, 30809
Lends in Georgia
Augusta Mortgage Solutions serves residential mortgage customers throughout the State of Georgia with a full selection of loan options. These include FHA, VA and conventional loans for purchase and refinance needs. We have the experience and the connections to provide a smooth mortgage process with a personal touch.
1030 Jimmie DYess Parkway, Suite 7, Augusta, GA, 30909
Lends in Georgia
Mortgage First Augusta is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
First Choice Mortgage in Augusta, GA houses an experienced, dedicated, and knowledgeable team. We are one of the best mortgage lenders and brokerage firms serving the lending needs of real estate professionals, builders, and individual homebuyers throughout Georgia and South Carolina since 1992.
Established in 1976, Augusta Mortgage Company is Augusta’s oldest independent mortgage company. Utilizing the latest in technology, Augusta Mortgage Company can provide our customer’s loan approval within minutes of application and tailor the most appropriate and competitive services. We were Augusta’s first direct endorsement FHA lender
We prefer to put people first. So, we made sure everything we do provides real value to our friends and neighbors.
With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving the citizens of Jefferson County and surrounding areas since 1964.
In 1976, Health Center Credit Union (HCCU) was chartered by the Georgia Department of Banking and Finance. HCCU opened its first office in the Murphy Building at the Medical College of Georgia (Augusta). The second branch was opened in 1987 at St. Joseph Hospital (University Hospital Summerville) followed by branches at Augusta State University.
The UNFCU is a non–for–profit financial organization owned and operated by its membership. The Credit Union was charter in 2003. The membership consists of the Beulah Grove Baptist Church, the Broadway Baptist Church, their affiliates, members and their family members. As these individuals pool their resources.
