FHA Vs. USDA loan program for Summerville, Chattooga County, Georgia

In 2026, the USDA loan limit within Summerville, located in Chattooga, GA, is $336,500, whereas the FHA loan limit for a single-family residence is $472,030.

Use the Lendersa® USDA loan calculator to effectively compare the top USDA versus FHA rates and identify the income, credit, reserves, and documents necessary for qualification. Our premium mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which option in suits your financial needs best.

Explore USDA and FHA Loan Options in Summerville, GA

At Lendersa®, we aim to swiftly and effortlessly connect you with the optimal USDA or FHA loan. Start with one of three pathways that align with lenders and reveal USDA loan choices.

Results from Lendersa USDA loan requests and matching

Understanding USDA Loans in GA

A USDA home loan, guaranteed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. This mortgage type is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans necessitate no down payment.

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Summerville Lenders
(706) 638-2520 Lender's profile and map The Bank of La Fayette, Georgia 101 West Patton Street, La Fayette, GA, 30728 Lends in Georgia The Bank of LaFayette received its original charter from the state of Georgia in 1889. Founded by a group of local investors from the LaFayette and south Walker County area, the bank did not actually begin business for another ten years. On July 18, 1899, The Bank of LaFayette opened for business in a location on the west side of the town square.
(706) 295-9027 Lender's profile and map Rome Kraft Employees Credit Union 4620 Alabama Hwy NW, Rome, GA, 30165 Lends in Georgia 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.
(706) 236-2123 Lender's profile and map River City Bank 228 North 2nd Avenue SW, Rome, GA, 30165 Lends in Georgia 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.
(706) 235-8551 Lender's profile and map Coosa Valley Credit Union 2010 Redmond Cir NW, Rome, GA, 30165 Lends in Georgia "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.
(706) 232-6871 Lender's profile and map Georgia Power Northwest Federal Credit Union 906 North Broad Street SE, Rome, GA, 30161 Lends in Georgia (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.
(706) 375-4243 Lender's profile and map Walker County Educators Federal Credit Union 925 Osburn Rd, Chickamauga, GA, 30707 Lends in Georgia The Walker County Educators Federal Credit Union was established in 1971. Our field of membership consists of employees and immediate family members of the Walker County Board of Education and Georgia Northwestern Technical College and Our mission is to provide our members with the highest level of personal financial service
(706) 624-5336 Lender's profile and map North Georgia National Bank 350 West Belmont Dr, Calhoun, GA, 30701 Lends in Georgia 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
(706) 226-5377 Lender's profile and map First Bank of Dalton 118 N. Hamilton St., Dalton, GA, 30720 Lends in Georgia First Bank is a locally owned and managed bank staffed by professional bankers with years of experience and the desire to make banking a pleasure again. First Bank offers you exceptional service and great banking products. As a customer of First Bank you will have the unique opportunity to develop a relationship with banking professionals.