USDA and FHA Pro and Con in Martinez, Columbia County, GA

In 2025, the USDA loan cap for Martinez, located in the county of Columbia, GA, is set at $336,500, while the FHA cap for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to compare the current top USDA and FHA rates and identify necessary income, credit, reserves, and documentation to qualify. This sophisticated mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA programs, empowering you to select the most appropriate option for your personal financial circumstances in .

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2025 Loan Caps and Downpayment Needs in Martinez, Columbia County, GA

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

USDA and FHA Loan Choices in Martinez, GA

The mission of Lendersa® is to quickly and seamlessly provide you with the finest USDA or FHA loans available. Begin with one of the three pathways to connect with matching lenders and USDA loan offerings.

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Understanding the USDA Loan in GA

A USDA home loan is a government-backed loan by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and it’s exclusively available in rural areas. Unlike FHA loans that need a minimum of 3.5% down, USDA loans have no down payment requirement.

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



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