USDA Vs. FHA Pro and Con comparison in Pelham, Mitchell County, GA

In 2025, USDA loan limit in Pelham, county of Mitchell, GA is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Pelham, county of Mitchell, 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 options in Pelham, GA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Georgia?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Patch of Land
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  • Patch of Land is crowdfunding real estate through its P2RE (peer-to-peer) online marketplace offering various typologies of secured real estate debt on assets backed by first position liens and personal guarantees.We make it possible to invest and make a good return while also contributing to something good.
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  • 1895 Linda Flora Drive, Los Angeles, CA, 90077
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  • Wilshire Fund, Inc, has been offering private lending solutions serving nationwide, specializing in investments properties both residential and commercial loans. Our dedicated staff has years of combined real estate experience in the loans and Real Estate consulting. Call us directly (424) 281-4880
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  • At Sherie Howard & Associates, Inc. We are a full-service mortgage company based in Playa Del Rey, CA. We specialize in Home Purchase Loans and Refinance in California. We offer FHA, Conventional, VA, HECM and more. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership
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  • Red-Syndicate Finance LLC
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