USDA Vs. FHA Pro and Con comparison in Macon, Bibb County, GA

In 2025, the limit for USDA loans in Macon, located in Bibb, GA, is $0, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the best current USDA versus FHA rates, alongside exploring the income, credit, reserves, and documentation required to qualify. With our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side to determine the most suitable program for your financial needs in .

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2025 loan limits and down payment requirements in Macon, Bibb, GA

Loan Category Maximum Limit Down Payment
USDA $0 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA Loans in Macon, GA

Lendersa® is committed to helping you secure the best USDA or FHA loan quickly and with minimal effort. Choose one of three starting paths to align with suitable lenders and USDA loan programs.

Results of Lendersa USDA loan request and matching

An Overview of USDA Loans in GA

A USDA home loan is a government-backed loan under the Department of Agriculture, also known as a USDA rural development loan or mortgage, available only in rural areas. This loan features no down payment, unlike FHA loans that require at least a 3.5% down payment.

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



  • New Season Mortgage, LLC
  • 900 SE 5th Street, Suite 22, Bentonville, AR, 72712
  • New Season Mortgage is a wholesale mortgage company. This simply means that we have more options to offer you. It allows you to shop for the best loan within your budget from one convenient place. No application fee. No Processing fee. The lowest interest rates in the industry.We’re local but offer a completely digital, streamlined experience.
  • NuMark Credit Union
  • 1654 Terry Drive, Joliet, IL, 60436
  • NuMark’s mission is to enrich the financial lives of our members. NuMark Credit Union offers a full menu of financial services from mortgage and auto loans to free checking accounts and business services. We remain dedicated to putting our members first, treating them like family and helping them do more with their money.
  • Acme Continental Credit Union
  • 13601 S Perry Avenue, Riverdale, IL, 60827
  • Established in 1937 Acme Continental Credit Union has a long history of successful operations. The credit union is chartered by the State of Illinois and all accounts are insured to $250,000 by an agency of the U.S. government, the National Credit Union Administration. The goal of the credit union is to provide service to its depositors known to th
  • Louviers Federal Credit Union
  • 4643 Ogletown Stanton Rd, Newark, DE, 19713
  • Louviers Federal Credit Union was chartered in 1968 and has operated continuously in New Castle County since its inception. Our primary mission is to serve the financial needs of those individuals that share our core common bond. We remain a sound and well-managed institution dedicated to providing service to our membership.
  • Union Home Mortgage Corp
  • 200 Continental Dr, Suite 401, Newark, DE, 19713
  • Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.
  • Community Focus Federal Credit Union
  • 18925 Telegraph Road, Brownstown, MI, 48174
  • Community Focus Federal Credit Union, formally National Steel Federal Credit Union, was originally chartered in 1960 as a financial cooperative serving the salaried employees of National Steel and their families. In January 2002, CFFCU became a community chartered credit union to better serve the National Steel employees
  • Public Service Credit Union
  • 7665 Merriman Road, Romulus, MI, 48174
  • Public Service Credit Union is a community credit union with 15 locations in the Metro Detroit Area.We are a full service financial institution dedicated to serving members since 1952. PSCU is devoted to providing its members with a lifetime of dependable financial service. Like all credit unions, PSCU is a member owned, not for profit .
  • First Equity Home Loans LLC
  • 13820 South Cicero Avenue, Crestwood, IL, 60445
  • Our goal is to offer the best refinance rates and lowest mortgage payments in minutes. We will beat virtually any mortgage rate quote and our wide selection of loan products are sure to provide the perfect mortgage solution for all of your Real Estate finance needs. We specialize in home purchase, home refinance, second mortgage.
  • Angelina Savings Bank, SSB
  • 1721 Tulane Drive, Lufkin, TX, 75901
  • Angelina Savings Bank, Ssb is a branch office of Angelina Savings Bank, Ssb. They provide the following services: Full Service Office Location and are located at 1721 Tulane Drive in Lufkin Texas. Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website
  • Angelina County Teachers Credit Union
  • 402 South Medford Drive, Lufkin, TX, 75901
  • The credit union was started in 1954 by a small group of teachers from Lufkin ISD. Mr. Pop Ward and Miss Zelma Cook were instrumental in the beginning. The credit union is a state chartered credit union and answers to the Texas Credit Union Department. Savings are insured by the National Credit Union Association up to $250, 000.00.
  • The Tipton Latham Bank, National Association
  • 800 US-50, Tipton, MO, 65081
  • The Tipton Latham Bank, N.A. is a locally owned and operated independent community bank established in 1906. We are a full-service bank offering: Free Checking Regular Checking Savings Account Now Account Super Now Account Money Market Account Certificates of Deposit IRAs Debit/ATM Cards
  • IBEW Community Federal Credit Union
  • 3805 West Cardinal Drive, Beaumont, TX, 77705
  • Our mission here at IBEW Community Federal Credit Union is to assist our members in a manner that will be understanding and responsive to their changing financial needs. As we continue to expand our services and provide our members with more opportunities to invest and save their money, some things about us will always remain the same.