USDA Loan Vs. FHA loan for Macon, GA 2026

In 2026, 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 .

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.

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Macon Lenders
(478) 919-2160 Lender's profile and map Ocmulgee Mortgage Company 268 Amanda Drive, Macon, GA, 31216 Lends in Georgia Ocmulgee Mortgage Company is a locally owned mortgage company in business and designed to help families obtain mortgage loans without having to deal with the headache of large institutions. Ocmulgee Mortgage Company prides itself on competence and quickness of process. We look forward to serving you today!
(478) 219-1163 Lender's profile and map Macon-Bibb Employees Credit Union 150 Willie Smokie Glover Drive, Macon, GA, 31201 Lends in Georgia Macon-Bibb Employees Credit Union was established in 1951 to serve the employees of Macon and Bibb county Georgia and their families. The credit union is a member-owned financial cooperative providing affordable banking services to members. While banks return profits to stockholders
(478) 784-1448 Lender's profile and map American Pride Bank 4740 Log Cabin Drive, Macon, GA, 31204 Lends in Georgia The American Pride Bank location of American Pride Bank was established Dec 12, 2007 (14 years and 5 months ago). They are one of 4 branch locations operated by American Pride Bank. For ATM locations, drive-thru hours, deposit info, and more information consider visiting their online banking site at: www.americanpridebank.com APB is a communit
(478) 745-0494 Lender's profile and map CGR Credit Union 2040 Ingleside Ave, Macon, GA, 31204 Lends in Georgia CGR Credit Union is a not-for-profit, member-owned and -operated, State chartered financial services organization. Founded by hospital employees in 1971, CGR Credit Union has served over 10,000 healthcare employees, professionals, members and their families. On the surface we may look like any other full-service community credit union
(478) 746-2063 Lender's profile and map Midtowne Mortgage LLC 2614 Riverside Drive, Macon, GA, 31204 Lends in Georgia Our staff of mortgage service professionals make themselves accessible to clients around the clock, and strives to obtain the best mortgage loan package no matter what the situation. Our mortgage experts treat you with the respect due a valued customer and give you the personal attention you deserve.
(478) 471-9946 Lender's profile and map MidSouth Community Federal Credit Union 4810 Mercer University Dr, Macon, GA, 31210 Lends in Georgia MidSouth Community Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder/owner of a unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
(478) 287-4809 Lender's profile and map GMFS Mortgage 4009-B Vineville Ave., Macon, GA, 31210 Lends in Georgia GMFS is licensed as a mortgage lender in the following states: Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Kentucky, Louisiana, Mississippi, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. GMFS is an approved Fannie Mae Seller-Servicer, Freddie Mac Seller-Servicer
(478) 741-4428 Lender's profile and map Georgia Guard Credit Union 1030 Shurling Dr, Macon, GA, 31211 Lends in Georgia Georgia Guard Credit Union now offers 24-hour access to your account information from home. Online Account Access is a secure site in which you as member’s are able to: Check Account Balance Inquire on Account History Transfer Funds Between Accounts Order Checks and View New Styles Change Your Personal Access Password And much more
(478) 953-7477 Lender's profile and map HEA Federal Credit Union 121 Osigian Blvd, Warner Robins, GA, 31088 Lends in Georgia Membership in HEA Federal Credit Union provides you with great services and zero or low fees. We offer free checking, ATM cards, Low Interest Rate Loans, Direct Deposit; 24-Hour Audio Response; and much, much more! This is where you will find up-to-date and useful information on services and products we offer.