In 2026, the USDA loan limit for Watkinsville, within Oconee County, GA, is set at $366,100, while the FHA limit for a single-family home reaches $516,350.
Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates, determining the income, credit reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to help you decide which program in best fits your financial situation.
2026 Loan Limits and Downpayment Requirements in Watkinsville, Oconee County, GA
Loan Type
Loan Limit
Down Payment
USDA
$366,100
0%
FHA
$516,350
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Watkinsville, GA
Lendersa® aims to secure the most suitable USDA or FHA loan quickly and without hassle. Select from three starting points to link with lenders and explore USDA loan programs.
The USDA home loan, insured by the Department of Agriculture and also known as a rural development loan, is designed for rural areas only. In contrast to FHA loans needing a 3.5% down payment, USDA mortgages require no down payment at all.
Bank of the Panhandle is a community bank. Since 1976 we have been serving the needs of Guymon and the surrounding panhandle region. You'll find our officers and employees efficient, knowledgeable and caring people who will listen to customers needs. Bank of the Panhandle is a strong, independent bank serving the needs of Guymon and the Panhandle.
Anchor D Bank has 5 offices located in the Oklahoma / Texas Panhandle. Anchor D Bank is a closely held, family owned bank. Constent, quality service is the focus of our organization. The ownership, and employees, are committed to remaining an independent bank with our focus on the communities and customers we serve.
Franklin Savings Bank is a community bank with locations in the Western Maine foothills and a Business Center in Ellsworth. We offer full-service, 24-hour bank that has been meeting the financial needs of our communities since 1868. Find out why everyone loves to Bank with Frank!
At Farmers State Bank, we’re proud of over 100 years of service to the community and our community bank status. Our bank was chartered on March 18, 1907, and we are located in Logan County in Northwest Kansas. Our parent holding company is Security Bancshares, Inc. Oakley is located on I-70, Highway 83 and Highway 40.
Maine State Credit Union is devoted to improving our members' financial lives, not just the bottom line. From the CEO to the tellers in the lobby, we embrace this mission every day, in person, online, and over the phone. Membership means better service. That friendly greeting in the lobby is real.
At Trademark, we are committed to delivering excellent service, while providing professional financial guidance, education, and the right combination of products and services to help our Members and their families build and sustain financial security. We will seek continued growth – for the benefit of our Members.
KV Federal Credit Union is a member owned financial institution, that is based on building relationships one member at a time through a professional, courteous and genuine approach. We pride ourselves on providing outstanding quality financial products, services and technology while maintaining a financially sound institution.
Connected Credit Union shares profits with members as they are owners/share holders of a financial cooperative. Originally chartered in 1967 as the Maine Teachers Association Credit Union – to serve Educators throughout Maine; changing its name to Maine Education Credit Union in the mid 90’s.
