USDA and FHA Pro and Con in Ocilla, Irwin County, GA
In 2025, the USDA loan cap in Ocilla, located within Irwin County, GA, is set at $336,500, whereas the limit for an FHA loan of a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today’s top USDA vs FHA rates to figure out the necessary income, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side-by-side to help you determine which program in is the most suitable for your particular financial needs.
2025 Loan Limits and Downpayment Requirements in Ocilla, Irwin County, 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 Choices in Ocilla, GA
Lendersa® aims to deliver the best USDA or FHA loan swiftly and efficiently, without complications. Choose one of three pathways that link you with lenders and USDA loan programs.
A USDA home loan is one backed by the government’s Department of Agriculture, commonly known as a USDA rural development loan or mortgage, specifically available for rural neighborhoods. In contrast to FHA loans, which mandate a minimum down payment of 3.5%, USDA mortgages require no initial down payment at all.
Our staff is here to greet you with enthusiasm, provide knowledgeable answers to your questions, and offer solutions which make sense. We understand that people are busy with life and don't spend all day dreaming of banking. When you need something, we aspire to make all of these interactions a great experience.
"Volt Credit Union (formerly Community Financial Credit Union) in Springfield, Missouri, has been making a difference in the lives of its members since 1935.
We work with employee groups - small or large - to enhance their benefit packages with financial services that can help your employees build a secure financial future."
Since 1933, Foundation Credit Union has been operating within the Springfield community. During our first 80 years, we were Springfield Teachers Credit Union, serving the employees of Springfield Public Schools. Throughout the 2000’s we began to grow, adding new counties eligible for membership each
OakStar has an engaging, inviting environment that feels less like banking and more like catching up with old friends. All of our guests are encouraged to enjoy a cup of coffee (the good stuff, we promise), a freshly baked cookie, and the opportunity to unwind. We believe that the community is at its best when its citizens thrive.
3100 S. National, Suite 201, Springfield, MO, 65807
With nearly 20 years of helping thousands of new and existing homeowners in the mortgage industry, Travis finds himself ranked as one of the top Mortgage Bankers in Southwest Missouri. Travis continues to focus on his number one priority – the customer. Travis derives his business from local business partners such as Realtors.
1930 W Bennett St, Suite 100, Springfield, MO, 65807
Paddio Home Loans is brought to you by the same incredible team behind Veterans United Home Loans. A commitment to service has fueled our work with Veterans and military families nationwide the past 18 years. Now we’re excited to deliver those same high-quality customer experiences across the country to non-military homebuyers.
BluCurrent Credit Union is Springfield's largest credit union with over 22, 000 members, 4 branch locations, and over $260 million in assets. We provide access to more than 5, 000 shared branches through our unique CU Service Center affiliation, and nearly 30, 000 free Nationwide ATMs through our CO-OP Network membership.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
