In 2026, the USDA loan limit for Pelham, in Mitchell County, GA, is set at $336,500, whereas the FHA limit for a single-family house is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates, identifying income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, assisting in determining the best program for your financial condition in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming | $726,200 | 3% |
Lendersa® is dedicated to obtaining the most beneficial USDA or FHA loan for you, promptly and smoothly. Choose one of three starting points to match with lenders and access USDA loan programs.
A USDA home loan, backed by the government’s Department of Agriculture—also known as a USDA rural development loan or mortgage—is available exclusively in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, the USDA loan demands no down payment, facilitating easier access to homeownership.
Enter your location to find out if it qualifies for USDA rural housing loan?
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