USDA Loan Vs. FHA loan for Vidalia, GA [Toombs County ]

In 2025, USDA loan limit in Vidalia, county of Toombs, GA is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Vidalia, GA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Georgia?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(478) 224-3838 Lender's profile and map Reviews SunMark Community Bank 1005 Northside Drive, Perry, GA, 31069 Our story begins in the times of Bing Crosby and Bob Hope. R.D. Buchan, a businessman and farmer, had been unhappy with the only bank in town. He saw an opportunity to serve other businesses and farmers. In 1949 Mr. Buchan founded The Pulaski Banking Company in Hawkinsville, Georgia.
(912) 236-4400 Lender's profile and map Reviews Georgia Heritage Federal Credit Union PO Box 1920, Savannah, GA, 31402 At Georgia Heritage FCU, it’s all about you. Our mission is making a positive difference for our members and the communities we serve. As a not-for-profit organization, we put members first. We strive to maintain a one-on-one relationship with our members while providing them with a full line of financial resources.
(229) 382-4211 Lender's profile and map Reviews South Georgia Banking Company 725 West 2nd Street, Tifton, GA, 31794 South Georgia Banking Company is a full-service, independent, locally owned bank. Now in our 50th year of operation, SGBC provides a wide variety of banking services targeted primarily to the personal consumer, small business, and agricultural sectors. With locations in Tift, Colquitt, and Dooly counties, we take pride in the communities we serve.
(912) 629-2900 Lender's profile and map Reviews First Chatham Bank 111 Barnard Street, Savannah, GA, 31401 Opening its doors on January 23, 2002, First Chatham Bank became the first community bank chartered in Chatham County since 1989. Since that time, First Chatham Bank has proven to be the premier community bank in the Coastal Empire. The Bank was a vision of local business leaders.
(855) 849-5626 Lender's profile and map Reviews InstaLoan 15 Bull Street, Savannah, GA, 31401 At InstaLoan, we take the guesswork out of finding what the best loan is for you. Our friendly staff will review all of the different lending options with you. So whether you’re looking for a larger loan, a loan with easy payment options, or a loan where your credit score isn’t the primary factor in the approval process, InstaLoan can help
(912) 691-2087 Lender's profile and map Reviews Savannah Postal Credit Union 22 Ogletthorpe Professional Blvd, Savannah, GA, 31406 Savannah Postal Credit Union is a State-chartered credit union incorporated June 6, 1952. For more than 53 years we have existed solely for the purpose of serving our members' best interests. The credit union was originally established for employees of the United States Postal Service. Today we serve 10 employee groups in Savannah
(912) 355-1039 Lender's profile and map Reviews American Financial Services Group 7712 Waters Ave, Savannah, GA, 31406 American Financial Services is one of the oldest loan companies in Savannah. Our first office opened in 1956, and we still proudly serve people of Chatham County and the nearby towns sixty years later. In 2010, American Financial Services merged with Coastal Finance Company and relocated to the present location at 7712 Waters Ave, Savannah, GA.
(912) 659-9401 Lender's profile and map Reviews COASTAL CUSTOM MORTGAGE, INC. 340 Eisenhower DriveSuite 220, Savannah, GA, 31406 Based in Savannah, Georgia and serving surrounding areas, Coastal Custom Mortgage is a mortgage brokerage company that provides homebuyers and homeowners alike with the tools to plan for and achieve financial stability when it comes to real estate endeavors. No matter the client’s starting point
(478) 219-1163 Lender's profile and map Reviews Macon-Bibb Employees Credit Union 150 Willie Smokie Glover Drive, Macon, GA, 31201 Macon-Bibb Employees Credit Union was established in 1951 to serve the employees of Macon and Bibb county Georgia and their families. The credit union is a member-owned financial cooperative providing affordable banking services to members. While banks return profits to stockholders
(404) 594-1190 Lender's profile and map Reviews The Happy Mortgage Company 501 College Street, Suite 201, Macon, GA, 31201 "We offer home buyer education to bring you one step closer to home ownership. We can help you learn the home loan amount you may be able to afford. We will provide confidence in your ability to obtain financing.You will learn how to reduce timelines and improve your ability to close your loan fast."
(912) 437-4141 Lender's profile and map Reviews Southeastern Bank 1010 North Way, Darien, GA, 31305 Southeastern Bank, established in 1888, has a long history of serving its customers and communities. From deposit accounts and loans to investments and more, Southeastern Bank has the financial products you need most. Southeastern Bank has 10 locations throughout coastal Georgia and northeast Florida.