USDA Loan Vs. FHA loan for Ringgold, GA 2025

In 2025, USDA loan limit in Ringgold, county of Catoosa, 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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USDA and FHA loan options in Ringgold, 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.

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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.

(706) 235-8551 Lender's profile and map Reviews Coosa Valley Credit Union 2010 Redmond Cir NW, Rome, GA, 30165 "We Care" and "We Treat You Like Family" are two core values that differentiate us from banks and other financial institutions. Here we still do business like neighbors helping neighbors, an old fashioned approach that combines modern technologies and the warm professional service you deserve.
(706) 232-6871 Lender's profile and map Reviews Georgia Power Northwest Federal Credit Union 906 North Broad Street SE, Rome, GA, 30161 (GPNWFCU) was chartered in 1935 as Georgia Power Rome Division Employees Credit Union, exclusively servicing Georgia Power employees working in the Rome, Georgia area. In the late 90’s, we changed our name to Georgia Power Northwest Federal Credit Union and sought out addition Select Employee Groups.
(423) 775-8400 Lender's profile and map Reviews Simply Bank 420 Third Avenue, Dayton, TN, 37321 SimplyBank is a privately-owned community bank where local bankers make local decisions. Built on more than 130 years of service to East Tennessee and Northwest Georgia, we remain motivated to deliver simply exceptional experiences to every community we serve through seamless financial solutions.
(256) 437-2107 Lender's profile and map Reviews First Jackson Bank, Inc. 43243 Us Highway 72, Stevenson, AL, 35772 Our banking services fit the growing needs of you, your family, and your business. With six convenient offices in northeastern Alabama and southeastern Tennessee, First Jackson Bank takes great pride in our checking/savings accounts, CDs and IRAs, personal and commercial loans, debit cards, 24-hour ATM network, telephone/online banking, bill pay.
(423) 745-9789 Lender's profile and map Reviews First Financial OF TENNESSEE HOME LOANS, LLC 913 Congress Pkwy N, Suite 100, Athens, TN, 37303 First Financial OF TENNESSEE HOME LOANS, LLC, we understand that buying a new home or refinancing an existing mortgage is one of the most important decisions an individual or couple can make. That’s why it is our goal to serve communities by offering the best programs with the most competitive rates. Customer satisfaction is our number one goal.
(256) 845-1077 Lender's profile and map Reviews First Fidelity Bank 1400 Gault Avenue North, Fort Payne, AL, 35967 First Fidelity Bank is an exclusive community Bank serving citizens of DeKalb County and surrounding communities. Organized in 1965, First Fidelity Bank has offices in Fort Payne, Rainsville & Ider, Alabama. The Bank is a wholly owned subsidiary of FBDC Financial Corp., a single Bank holding company, headquartered in Fort Payne
(256) 845-6101 Lender's profile and map Reviews First State Bank of AL PO Box 681299, Fort Payne, AL, 35968 Being locally-owned and locally-operated is one of the most beneficial as well as distinguishing characteristics of First State Bank.This trait separates us from our competitors by allowing FSB the pleasure and flexibility of servicing our customers’ needs promptly and personally.
(706) 253-9600 Lender's profile and map Reviews Community Bank of Pickens County 15 Sammy Mcghee Blvd, Jasper, GA, 30143 Community Bank of Pickens County opened for business in 2000. The bank originally opened in a modular unit while a 10,000 square foot facility was being constructed at the corner of Highway 53 and Sammy McGhee Boulevard. Community Bank of Pickens County is the only locally owned bank in Jasper Georgia area.
(404) 993-6275 Lender's profile and map Reviews HomeTrust Mortgage, Inc. 11576 Big Canoe, Jasper, GA, 30143 The Hometrust Mortgage team is committed to providing each client with the highest quality service accompanied with the lowest mortgage interest rates available. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, consolidating debt, or you are a real estate investor.
(678) 317-0338 Lender's profile and map Reviews The Mortgage Source LLC 21 Court St, Suite 102, Jasper, GA, 30143 We built our mortgage business from the ground-up, consistently surpassing customer and agents expectations with clear and reliable communication and our "No Bureaucracy" approach to the mortgage process. Our team is local, friendly, and nimble, and we have more than a decade of experience crafting custom, structured loans.
(678) 454-5600 Lender's profile and map Reviews FRONTLINE CAPITAL MORTGAGE, LLC 91 Sammy McGhee, Suite 110, Jasper, GA, 30143 Frontline Capital Mortgage, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you