USDA Vs. FHA Pro and Con comparison in Lyons, Toombs County, GA

In 2025, USDA loan limit in Lyons, county of Toombs, GA is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Lyons, county of Toombs, GA

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

USDA and FHA loan options in Lyons, GA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Georgia?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Apex Financial Group
  • 5535 Balboa Boulelvard, Suite 102, Encino, CA, 91316
  • Apex Financial Group is committed to helping you find the right mortgage product for your individual needs. With over 30 years of experience, we work with industry-leading lenders to provide NO-COST LOANS at competitive rates for residential, multi-family and commercial real estate financing.
  • Valley Oak Credit Union
  • 40870 Sierra Dr, Three Rivers, CA, 93271
  • Valley Oak Credit Union is a testament to the philosophy on which all credit unions are based, the "people helping people" principle. Established in 1944 by a local co-op grocer, George Burcham, in idyllic Three Rivers, California, Valley Oak Credit Union was established to serve the agricultural workers of Tulare County and its communities.
  • eLoan Group, Inc.
  • 6740 Tampa Avenue, Reseda, CA, 91335
  • eLoan Group, Inc. is a mortgage brokerage firm specializing in conventional, conforming, FHA, VA, USDA, jumbo, super Jumbo, reverse mortgages, commercial, construction and private money loans. A family business since 1990, we pride ourselves on our exceptional service, decades of experience, and lending programs tailored to our valued clients.
  • Mortgage West
  • 20436 Via Cellini, Porter Ranch, CA, 91326
  • Mortgage West is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. The Mortgage West name is trusted throughout the community.
  • Smart Mortgage & Investments
  • 20545 Bergamo Way, Porter Ranch, CA, 91326
  • Our team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify
  • Effective Mortgage Company
  • 8535 Reseda Blvd, Suite 100, Northridge, CA, 91324
  • We are a full service mortgage brokerage with experience in the areas of mortgage lending, real estate and business. Our company has established relationships with a multitude of mortgage investors and Banks to provide the best programs for your individual circumstances. Whether your looking to refinance or purchase we have a loan program for you.
  • Downtown Financial Group - Home Mortgage Loans
  • 19520 Nordhoff St, Suite 7, Northridge, CA, 91324
  • Our vision of home ownership is helping families understand that owning a home IS possible. Whether you are financially prepared now or whether families need to know the steps they need to take to be eligible for a home in the future, our goal is to educate families on what they need to do to own a home.
  • Universal Home Loans
  • 9017 Reseda Boulevard, Suite 204, Northridge, CA, 91324
  • Universal Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
  • L.A. Mortgage, Inc
  • 9338 Reseda Blvd, Suite 210, Northridge, CA, 91324
  • At LA Mortgage Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options