USDA and FHA Pro and Con in Rome, Floyd County, GA
In 2026, the USDA loan limit in Rome, located in the county of Floyd, GA is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare the current best rates for USDA versus FHA, examining necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you select the most appropriate program in for your financial situation.
2026 Loan Limits and Down Payment Requirements in Rome, Floyd, 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 Rome, GA
The goal of Lendersa® is to assist you in obtaining the best USDA or FHA loan smoothly and promptly. Choose one of three pathways that lead to connecting with matching lenders and USDA loan programs.
A USDA home loan, backed by the government's Department of Agriculture, is commonly referred to as a USDA rural development loan or USDA mortgage, and it is available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment, making them a viable option for many potential homeowners.
(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.
The Rome Kraft Employees Credit Union was chartered March 19, 1955. The sponsors of the credit union at that time were known as Rome Kraft Company and North Georgia Timberlands Company. Although the sponsor named has changed the Credit Union Charter has remained the same. Presently the sponsors are International Paper and Georgia Pacific.
At River City Bank, we work diligently to create an elevated experience for our clients. We don’t settle for service that’s simply good. When you bank with us, you can count on us to exceed your expectations not only when it comes to your finances, but in our customer service as well.
"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.
Riverside Lending, 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 the latest
In 1998, owner Steve Mowry started American Mortgage Group, Inc. Mr. Mowry started working in the mortgage business in ’97 with a mortgage banker and later a mortgage broker. Soon after he began his endeavor in the finance world, he realized there were customer needs he felt as though weren’t being met.
1st Georgia Home Mortgage is located approximately 35 miles North-West of Atlanta, GA in the city of Cartersville. The company is owned by Maurni Weeks Moss 1st Georgia Home Mortgage has been serving clients throughout the state of Georgia with both buying homes as well as refinancing to more affordable mortgage Loans since the year 2001.
North Georgia National Bank is the only bank in Gordon County with its headquarters in Calhoun. That means streamlined decisions by staff who understand your community better than anyone else. Other banks might claim "small town" values, but only one shares your "hometown" values
