USDA and FHA Pro and Con in Springfield, Effingham County, GA
In 2025, the USDA loan limit for a single-family home in Springfield of Effingham county, GA, is $336,500, whereas the FHA limit stands at $472,030.
Utilize Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today, and to ascertain the income, credit, reserves, and documents you need for qualification. With our advanced mortgage calculator, you can check USDA, FHA, Conforming, and VA options side by side to determine the optimal program for your financial needs in .
2025 Loan Limits and Downpayment Requirements in Springfield, Effingham, GA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Springfield, GA
Lendersa® is committed to quickly finding you the most favorable USDA or FHA loan without hassle. Begin by choosing one of three pathways to connect with lenders offering USDA programs.
A USDA home loan is backed by the Department of Agriculture and is known as a USDA rural development loan or mortgage, exclusive to rural areas. Unlike FHA loans needing a minimum 3.5% down payment, the USDA mortgage requires no down payment at all.
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