USDA Vs. FHA your options comparison in Montezuma, Macon County, GA
As of 2026, the USDA loan limit in Montezuma, located in Macon, GA, is $336,500. Meanwhile, for a single-family home, the FHA loan limit is $472,030.
Make use of the Lendersa® USDA loan calculator to effectively compare today's leading USDA and FHA rates. This tool helps determine the necessary income, credit scores, reserves, and documents needed to qualify. By utilizing our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, guiding you to choose the best program that fits your financial requirements in .
2026 Loan Limits and Down Payment Requirements in Montezuma, Macon, GA
Loan Type
Maximum Loan Limit
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Alternatives in Montezuma, GA
Lendersa® is committed to connecting you with the ideal USDA or FHA loan options swiftly and with minimal effort. Begin your journey by choosing one of three initial pathways, leading to lenders and USDA loan capabilities.
The USDA home loan is a mortgage assured by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. These are solely available in rural regions. Differing from FHA loans that necessitate a minimum down payment of 3.5%, USDA loans require no down payment at all.
Our story begins in the times of Bing Crosby and Bob Hope. R.D. Buchan, a businessman and farmer, had been unhappy with the only bank in town. He saw an opportunity to serve other businesses and farmers. In 1949 Mr. Buchan founded The Pulaski Banking Company in Hawkinsville, 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.
Combined Employees Credit Union is a not-for-profit financial cooperative that has enjoyed a long, remarkable history of serving our members. On October 6, 1969, what started with just 6 men and $200 has turned into a place of financial services opportunity for more than 3, 300 members.
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!
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.
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
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
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.
The Peoples Bank of Georgia is a full service, locally owned bank in Talbotton, Georgia with branches in Ellaville, Buena Vista and Thomaston, Georgia. In Talbotton, a small town 35 miles northeast of Columbus, the scene has not changed much over the years. This is still the sort of place where every customer's family history is intimate knowledge.
