USDA Loan Vs. FHA loan for Sparta, GA 2026

As of 2026, 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.

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(918) 582-7573 Lender's profile and map Reviews Employees Federal Credit Union OK 1120 W 17th Street, Tulsa, OK, 74107 Our mission statement "We Help People Succeed" is our duty and our responsibility to you, our Members. We continually strive to be the best at what we do & help those who are often ignored or pushed away by other institutions. The Credit Union philosophy of self-help, self-support & promotion of thrift has not changed since our beginning in 1954.
(563) 582-9515 Lender's profile and map Reviews Dubuque Postal Employees Credit Union 1155 Loras Boulevard, Dubuque, IA, 52001 Our Mission is to make available a source of credit at a fair and reasonable rate of interest, to encourage habits of careful management of money among our members and to provide our members the opportunity to manage their savings for their own benefit. Dubuque Postal Employees Credit Union Established in 1927.
(563) 589-2000 Lender's profile and map Reviews Dubuque Bank and Trust Company 1398 Central Ave, Dubuque, IA, 52001 At Dubuque Bank and Trust, decision making is kept to a local level and bankers are unwaveringly committed to deeply understanding every intricacy of every customer’s financial relationship. Because when that happens, a bank, even one with over $19 billion in assets and the backing of a company with national.
(989) 362-6700 Lender's profile and map Reviews Huron Community Bank 301 North Newman Street, East Tawas, MI, 48730 Huron Community Bank first opened its doors in 1927 under the name Peoples State Bank. The banks first location and legacy began on the corner of Newman and State Street in East Tawas, MI. That branch was located directly across the street from what is currently known as the banks' headquarters.
(888) 771-7667 Lender's profile and map Reviews US Lending Corporation 6720 Frank Lloyd Wright Ave, Suite 104, Middleton, WI, 53562 US Lending Corporation works with more than 20 banks to find the right home loans for our clients’ needs. More lending choices mean better-fit loans.Today’s rules and regulations for lending could fill volumes, making it more important than ever that you work with an experienced lender who specializes in home loans.
(608) 279-1895 Lender's profile and map Reviews One Community Bank 8215 Greenway Blvd, Madison, WI, 53562 One Community Bank, a completely online lending service that makes getting a mortgage or home equity loan easier and faster than ever before. One Community Bank was built exclusively for the internet. It's as easy as 1-2-3 and takes just 15 minutes to apply! We provide you with an instant interest rate quote and review your application.
(845) 463-3011 Lender's profile and map Reviews Hudson Valley Credit Union PO Box 1071, Poughkeepsie, NY, 12602 Today, Hudson Valley Credit Union is a full service not-for-profit financial cooperative, 300, 000+ members strong. We extend membership to our neighbors who live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties.
(713) 699-0795 Lender's profile and map Reviews Houston Metropolitan Federal Credit Union 608 East Tidwell Road, Houston, TX, 77022 Since 1945, Houston Metropolitan Federal Credit Union has provided the finest in financial services to the present, former, and retired employees of our sponsor companies. Once you join the Credit Union your immediate family is eligible to join the Credit Union. Our policy is “Once a Member Always a Member” even if you change jobs
(580) 233-3535 Lender's profile and map Reviews Stride Bank, National Association 1415 SE Washington Blvd., Bartlesville, OK, 74006 Founded in 1913, Stride Bank is an Oklahoma-based financial institution that holds over $1.17 billion in assets. Offering a full range of financial services such as consumer and commercial banking, mortgage, wealth management, and treasury management, we have also developed and currently manage highly specialized payment solutions
(918) 224-3210 Lender's profile and map Reviews American Heritage Bank 3309 E Frank Phillips Blvd, Bartlesville, OK, 74006 American Heritage Bank is a full-service community bank headquartered in Sapulpa, Oklahoma, with branches in twelve communities. In business since 1905, we are one of the oldest family owned and operated banks in the state of Oklahoma, and provide a full range of banking products and services.
(713) 222-1244 Lender's profile and map Reviews Space City Credit Union 3101 Harrisburg Boulevard, Houston, TX, 77003 Originally chartered in 1965 as Stewart & Stevenson Credit Union, Space City Credit Union serves the employees and family members of companies such as Stewart & Stevenson, General Electric, Ineos, Solvay, McCall Group, Rex Supply, Houston Housing Authority, Houston Professional Musicians Association, and others.
(713) 547-7188 Lender's profile and map Reviews Oak Farms Employees Credit Union 3430 Leeland Street, Houston, TX, 77003 Oak Farms Employees Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Oak Farms Employees Credit Union will continue a sound yet progressive asset management strategy