FHA Vs. USDA loan program for Sparta, Hancock County, Georgia

As of 2025, the USDA loan threshold in Sparta, situated in Hancock county, GA, is $336,500, whereas the FHA restriction is $472,030 for a single-family residence.

Utilize the Lendersa® USDA loan calculator to compare current USDA versus FHA prevailing rates. Determine the necessary income, credit score, reserves, and paperwork for qualification. With our sophisticated mortgage calculator, view USDA, FHA, Conforming, and VA options side by side. This comprehensive comparison will empower you to choose the optimal program for your specific financial circumstances in .

Exploring USDA and FHA Loan Opportunities in Sparta, GA

Lendersa® aims to secure you the most suitable USDA or FHA loan swiftly and with minimal difficulties. Choose one of three options to connect with matching lenders and USDA loan programs.

Loan Type	Loan Limit	Down Payment
USDA	$336,500	0%
FHA	$472,030	3.5%
Conventional Conforming	$726,200	3%

Lendersa USDA loan request matching results

Understanding USDA Loans in GA

A USDA home loan is backed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. These loans are exclusively available in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans require no down payment at all.

Get top 10
USDA LENDERS
customized to yout needes

(315) 471-4621 Lender's profile and map Reviews Syracuse Fire Department Credit Union 211 Wilkinson Street, Syracuse, NY, 13204 The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.
(315) 477-2200 Lender's profile and map Reviews Empower Federal Credit Union 515 Erie Blvd W, Syracuse, NY, 13204 Empower Federal Credit Union is a full-service financial institution that provides savings, loan, and transaction services to members in Central New York, and in eight counties in New York State. Main offices are located in Syracuse NY. As a credit union, Empower is a financial cooperative and is not-for-profit. For information go to www.empowerfcu
(713) 681-0339 Lender's profile and map Reviews Members Trust of the Southwest Federal Credit Union 2315 Mangum Road, Houston, TX, 77092 Members Trust Federal Credit Union is dedicated to the philosophy of “members helping members” in a professional, friendly environment. We have a long history of serving our members, in the Houston Heights and Stephenville communities since 1936. We are a full-service financial institution offering a wide array of products including loans, etc
(231) 775-2081 Lender's profile and map Reviews Wexford Community Credit Union 1021 North Mitchell Street, Cadillac, MI, 49601 Wexford Community Credit Union is a full-service, not-for-profit financial institution. We offer our members attractive rates and terms on all types of services. The employees of Wexford Community Credit Union pride themselves on the personal service they provide to you, our member.
(231) 779-9817 Lender's profile and map Reviews Genisys Mortgage Professionals 116 E. Nelson St., Cadillac, MI, 49601 Genisys Mortgage Professionals was formed to provide maximum financing choices to our community. Specifically, we designed Genisys to provide specialized service to the primary residence market and especially to first-time home buyers. In 2010, Genisys became part of J. Virgil, Inc., a full service mortgage lender.
(832) 206-2832 Lender's profile and map Reviews Texas Top Mortgage 2525 Robinhood, Suite 1100, Houston, TX, 77005 We are a full service mortgage company serving the state of Texas. We specialize in all residential and commercial loans! Whether you are buying a home or refinancing, we can help you and we specialized in Conventional \| FHA \| VA \| USDA \| Jumbo \| Construction, Cash Out \| Streamline \| Conventional \| HARP \| Reverse Mortgage \| Commercial \| and more
2818317855 Lender's profile and map Reviews LJC Financial LLC #B 4123 Purdue, Houston, TX, 77005 Asset based lender serving clients since 2007. We provide competitive financing for acquisitions, fix ‘n flips, cash-out refinancing, long term rental properties and ground up construction with terms up to 36 months. We offer programs for borrower’s with or without bad credit. Minimum loan amount: $75,000. Maximum: $2,000,000.
(713) 595-3400 Lender's profile and map Reviews USE Credit Union 24909 Kuykendahl Road, Tomball, TX, 77375 Our credit union was originally chartered in December 1933 as the Houston Railway Postal Clerks Credit Union. Following the tradition of “one member, one vote” our credit union has undergone frequent name changes reflecting our continual growth in our scope of membership As USECU, or United States Employees’ Credit Union, our credit union.
(832) 962-4852 Lender's profile and map Reviews BHI Funding 2626 South Loop West, Suite 232, Houston, TX, 77054 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.
(832) 757-1262 Lender's profile and map Reviews Tidal Loans 2616 S Loop W, Unit 505, Houston, TX, 77054 Our team has over 50 years of combined hands on experience investing in all aspects of real estate: from residential development, private money lending, property management and fix and flips. We have been in your shoes and we know what it takes to become successful real estate investors.
713 348 9222 Lender's profile and map Reviews REI Lending Network, LLC. 3918 ABBEYWOOD DR, Pearland, TX, 77584 Maximize and create the endless possibilities of real estate investing with our trusted network of private money lenders and flexible commercial bridge loans. Nationwide reach, tailored solutions, and rapid access to unlimited capital to fund your next deal – We're your reliable partner in achieving financial success through real estate.
(281) 747-5353 Lender's profile and map Reviews Peabody Capital Lending LLC 2743 Smith Ranch Road, Suite 303, Pearland, TX, 77584 Peabody Capital Lending are a buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.