USDA VS FHA in Jonesboro, Clayton County, GA

In 2026, the USDA loan ceiling for Jonesboro in Clayton county, GA, is $336,500. The FHA loan limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today’s USDA versus FHA rates, determining the income, credit, reserves, and documents you’ll need to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA programs side by side, assisting in selecting the best option for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Jonesboro, Clayton, GA

Loan Type Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Jonesboro, GA

Lendersa® aims to provide you with the best USDA or FHA loan swiftly and effortlessly. Pick one of three ways to match with lenders and discover USDA loan programs.

Lendersa USDA loan request results

Understanding USDA Loans in GA

A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. Available only for rural areas, it differs from FHA loans by not requiring a down payment, whereas FHA loans need at least 3.5%.

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



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  • Mortgage Makers USA, Inc.
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  • Choice Mortgage
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  • Loan Genius
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  • Frias Financial
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  • IGC 10 Capital
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  • First National Bank of North Arkansas
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