USDA VS FHA in Stone-Mountain, DeKalb County, GA

In 2025, the USDA loan limit for Stone-Mountain, situated in DeKalb county, GA, is $330,200. For a single-family home, the FHA limit is $412,850.

Leverage the Lendersa® USDA loan calculator to evaluate today's USDA vs. FHA rates, determining the necessary income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator provides a comparative view of USDA, FHA, Conforming, and VA options, aiding you in selecting the best program for your financial needs, particularly in .

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2025 Loan Limits and Down Payment Requirements in Stone-Mountain, DeKalb, GA

Loan Type Loan Limit Down Payment
USDA $330,200 0%
FHA $412,850 3.5%
Conventional Conforming $548,250 3%

Decoding USDA and FHA Loan Options in Stone-Mountain, GA

The mission of Lendersa® is to efficiently secure the best USDA or FHA loans without difficulty. Choose one of three starting points to connect with lenders and discover USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in GA

A USDA home loan, also called a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture. This loan is available only in rural neighborhoods and, unlike FHA loans which require at least a 3.5% down payment, USDA loans need none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Harbor Private Equity
  • 1075 Peachtree Street NE, Suite 3650, Atlanta, GA, 30309
  • Harbor Equity management team has over 75 years experience in this marketplace with tens of millions of profits under its management. In 2009 residential, not commercial, real estate collapsed and the accompanying credit crunch afforded us the opportunity to pursue its management of a publicly held company.
  • Moreira Team
  • 1230 Peachtree St NE, Suite 1900A, Atlanta, GA, 30309
  • Moreira Team is a boutique mortgage broker and lender built to cater towards your financial needs, finding the best loan for your unique situation. We believe in a consultative “done-for-you” approach to getting a mortgage. That’s a fancy way of saying we treat you like family and make sure everything goes smooth
  • CR Mortgage Solutions Inc
  • 585 Grant Street South East, Atlanta, GA, 30312
  • CR Mortgage Solutions company is an experienced, independent and local mortgage broker in the Grant Park area, specializing in home loans and refinancing. We work with a variety of banks to find the best residential mortgage loan at the best rate, and we can help you every step of the way, all the way to closing on your new home
  • H.I.P. Mortgage Co.
  • 1590 Adamson Parkway, Suite 120, Atlanta, GA, 30360
  • Shiba Robinson a dedicated mortgage professional that has worked on both ends of the spectrum. Shiba believe that together, true professionals are capable of anything! My goal is to make the dream of home ownership come true for YOU. Working hard and fixing problems is my specialty. Let me put in some work for you and we can be successful together!
  • Excel Federal Credit Union
  • 5070 Peachtree Industrial Blvd, Norcross, GA, 30071
  • Our story begins on April 28, 1952 when we received our charter under the name of Atlanta GSA Federal Credit Union. We were founded to serve the federal government employees of the General Service Administration (GSA). Over the years, we have made over 400 additions to our original charter through mergers and new SEGs. In 1996,
  • Homeland Financial
  • 2030 Beaver Ruin Rd, Norcross, GA, 30071
  • We believe everyone deserves to own their home. We can help you get there. Choosing the right lender is a key element to managing your mortgage. As mortgage professionals, our goal is not only to provide you with a loan, but also to help you select the one most beneficial to you and your long-term goals.
  • The Millennium Financial Solutions Inc
  • 1201 Peachtree Street NE, Suite 343, Atlanta, GA, 30361
  • 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.
  • APCU
  • 3900 Crown Road, Atlanta, GA, 30380
  • APCU was chartered in 1925 as the state’s first not-for-profit financial institution. Like all credit unions, APCU is a member owned cooperative. As a non-profit organization, we return profits to our members in the form of better rates and fewer fees. Once a member, you’re always a member, even if you change employers, retire, or relocate.
  • 1st Choice Credit Union
  • 315 Auburn Ave, Atlanta, GA, 30303
  • 1st Choice Credit Union was founded in 1946 to serve employees of Grady Hospital. Initially, it was named Hospital Authority Credit Union. The organization’s name was changed to 1st Choice Credit Union in 1991. 1st Choice Credit Union is a NCUA insured and CDFI credit union, headquartered on Atlanta’s historic Auburn Avenue.
  • Citizens Trust Bank
  • 260 Peachtree St Suite 1002, Atlanta, GA, 30303
  • We have built financial relationships since 1921 –we remain committed to providing personalized service and financial solutions to meet the growing needs of an entire community. Through a legacy built on principle, we go beyond meeting needs of offering banking products and service solutions; our mission is to financially empower our customers
  • Georgia's Own Credit Union
  • 100 Peachtree St, Suite 2800, Atlanta, GA, 30303
  • Georgia's Own was founded in 1934 by a group of telephone employees with an initial investment of $160. Since that time, the Credit Union has grown to be one of the largest Credit Unions in the state with assets over $2 billion and membership over 180, 000. In addition, we serve the employees of over 430 sponsor companies.
  • AGAP Commercial Services
  • 235 Peachtree St. NE, Suite 434, Atlanta, GA, 30303
  • At AGAP Commercial Services, where the monetary needs of your business are met through flexible financing solutions. It’s no secret that getting capital can be difficult. Low credit scores, cash flow problems, & a lack of collateral can prevent business owners from getting the funds & financing they need to succeed. That is where AGAP comes in.