USDA Vs. FHA Pro and Con comparison in Watkinsville, Oconee County, GA
In 2025, 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.
2025 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.
"Jack has been serving the Home Equity Conversion Market for over 35 years.
Making sure that every customer understands how the program works is critical to our customers' long term financial security and well being.
All of our efforts are focused on education of the customer."
3046 Del Prado Blvd S, Suite 1-B, Cape Coral, FL, 33904
American Mortgage Solutions (AMS), your mortgage broker in Cape Coral FL and Louisville KY. We are proudly licensed in Kentucky, Florida, Indiana, Colorado, and Tennessee, where we have been financing homebuyers’ and homeowners’ dreams for more than 20 years. Moving our clients from application to closing is a process that we take pride in.
1325 Southeast 47th Street, Suite F, Cape Coral, FL, 33904
Our mission at Edison Mortgage Group 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.
3501 Del Prado Blvd, Suite 100, Cape Coral, FL, 33904
LENDSTAR MORTGAGE, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders
We are Loan Consultants and Reverse Mortgage Specialists. We can close in 30 days or less. Additionally, we are a wholesale broker, which allows us the best interest rates available for our clients, and we are always working on making our customer service the best available.Established in 2014.
Island Coast Mortgage was founded in 1986 with a vision to make it fast, easy and affordable for every homebuyer in Florida to find a suitable mortgage. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to connect clients with ideal home loans while providing them with the lowest interest rates
2534 SE Santa Barbara Pl, St #201, Cape Coral, FL, 33904
Welcome to Premier Mortgage Consultants! PMC is a leading mortgage company dedicated to providing you with the highest level of client service. Our qualified loan officers have years of experience, access to hundreds of loan programs and relationships with over 50 of the nation's leading wholesale lenders and banks.
We offer FHA home loans, VA, USDA, conventional, reverse mortgages, and renovation loans. We focus on providing expert advice and service. We finance primary homes, secondary homes, and investment properties up to four units.Established in 2018.Odom Mortgage specializes in home loans in Cape Coral, FL. Fast closings, reliable results.
