USDA Vs. FHA Pro and Con comparison in Heron-Bay, Henry County, GA

In 2025, the USDA loan limit in Heron-Bay, in Henry County, GA, is $330,200, while the FHA limit for a single-family home is $412,850.

Utilize Lendersa®'s USDA loan calculator to compare today's USDA versus FHA rates, determining necessary income, credit, reserves, and documents. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Heron-Bay, Henry County, GA

Loan Type Loan Limit Down Payment
USDA $330,200 0%
FHA $412,850 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Heron-Bay, GA

Lendersa®'s aim is to deliver the best USDA or FHA loan efficiently and effortlessly. Choose from three starting points to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request outcomes

What is a USDA Loan in GA?

A USDA home loan, guaranteed by the government's Department of Agriculture, also called a USDA rural development loan, is available exclusively in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA mortgages require none.

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



  • Timberland Federal Credit Union
  • 821 Beaver Drive, Du Bois, PA, 15801
  • Our goal is to provide our membership with high quality service, understanding, and convenience. We hope you will use your credit union membership and discover the fantastic value and rewards of TFCU! Timberland Federal Credit Union is a not-for-profit financial cooperative, owned and operated democratically by members like you!
  • Draper and Kramer Mortgage Corp.
  • 1431 Opus Place, Suite 200, Chicago, IL, 60615
  • Draper and Kramer Mortgage Corp. is the residential mortgage division of Draper and Kramer, one of the country’s premier full-service property and financial services firms. While still a family-owned company headquartered in Chicago, we help identify and structure mortgage financing programs for clients across the United States, and have been doing
  • The Idabel National Bank
  • 1201 SE Washington St., Idabel, OK, 74745
  • The Idabel National Bank was founded in 1921 and has operated in McCurtain County as an independent community bank since its inception. The bank has been locally owned and operated for many decades, with the current ownership in place since 1968. Additionally, due to the structure of the bank’s retirement plan for its employees.
  • Mccurtain County National Bank
  • 1501 S.E. Washington, Idabel, OK, 74745
  • MCNB is 100% locally owned and operated by people of McCurtain County. MCNB was established after seeing the opportunity of offering a competitive advantage to our customers. Since our opening in 1982 in Idabel, with deposits of 1 million dollars, MCNB has grown to an institution in excess of 100 million dollars, with banks in Idabel
  • SIC Funds
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  • In September of 2018 Secure Investor Capital, Inc. (SIC Funds) became a nationwide direct lender for 1-4 unit non-owner rehab fix & flip business loans. SIC founded in 2010 in Elmhurst Illinois has also became a lender in the great states of Illinois, Florida and Michigan (Nationwide) for small balance commercial bridge loans.
  • Americhoice Federal Credit Union
  • 2175 Bumble Bee Hollow Rd, Mechanicsburg, PA, 17055
  • AmeriChoice Federal Credit Union was founded in 1970 by a small group of IBM Corporation employees. Through the years, we’ve grown by extending eligibility to the South Central PA Community including Adams, Cumberland, Dauphin, Lebanon, Perry or York Counties. Today, we are more than 15, 000 members strong with assets exceeding $180 million.
  • ALL AMERICAN MORTGAGE, LTD
  • 30618 Dupont Blvd, Suite 2, Dagsboro, DE, 19939
  • All American Mortgage, Ltd. do the work for you. Our specialty is comparing rates among the largest lenders in the United States and finding the best possible solution to meet your mortgage needs. We represent many lending institutions and are able to assist clients with both great credit and not so great credit.
  • Michigan Legacy Credit Union
  • 269 Oak Street, Wyandotte, MI, 48192
  • Michigan Legacy Credit Union, formerly known as Affinity Group Credit Union is a member owned, not-for-profit financial cooperative serving members who live, work, worship, attend school, or own a business in the State of Michigan. Michigan Legacy Credit Union is committed to providing quality financial services
  • Mitten Mortgage Lending LLC
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  • White Rose Credit Union
  • 3498 Industrial Drive, York, PA, 17402
  • White Rose Credit Union offers the amenities of a big bank, with small town charm and personalized customer service. Serving over 11, 000 members at 5 public branches, membership is open to those who live, work, worship, attend school or own a business in York or Adams County Pennsylvania.
  • Lakeview Federal Credit Union
  • 2909 State Road, Ashtabula, OH, 44004
  • Lakeview Federal Credit Union has been open since 1961. The credit union has assets totaling $144.38 Million and provides banking services to more than 9, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • Total Community Credit Union
  • 25155 Goddard, Taylor, MI, 48180
  • Total Community Credit Union is a full service financial institution specializing in a wide variety of loans. We offer loans for mortgages, home improvements, vehicle and much more. Competitive rates, low payments and flexible terms make it easy for almost anyone to realize their goals.