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.
Oconee State Bank is a locally owned and operated Community Bank in Oconee County, offering a competitive line of products and services. Oconee State Bank has 3 full-service branches located in Oconee County, GA. In December 2004, the H. Mell Wells Operations Center and Rosella E. Hansford Learning Center were dedicated.
Remarkable Mortgage leaves a lasting impression on the customers we serve, bringing confidence and simplicity to home financing. Launched by an experienced team of loan advisors in February 2022, Remarkable Mortgage brings an innovative and progressive approach to mortgage loans by offering top-notch customer service and customized loan solutions.
1351 Jennings Mill Rd, Suite A, Watkinsville, GA, 30677
Lends in Georgia
"Aviante Mortgage is placed in the lineup among other Real Estate Companies. This establishment is rated 4 by NiceLocal users and provides its services in Georgia city by the official address: Watkinsville, GA 30677, 1351 Jennings Mill Rd. Geographic system coordinates are: longitude — 83°27'42.66''W (-83.46185), latitude — 33°55'5.52''N (33.9182
Athens Mortgage Resources, Inc. was founded by William A. Jones, Jr. on December 7, 1988, after he retired from his 20 years of service in the United States Air Force. Since its creation, Athens Mortgage has always provided the best and lowest rates & closing costs in the Athens/Oconee area. Along with the best deal in town
Classic City Bank is a local, community bank that was started in Athens, Georgia, in November 2020, with the goal of providing the businesses and the citizens of the Athens community "banking the way it should be". With over 100 years of combined banking experience in the Athens market, the management team of Classic City Bank offers a Local
100 Athens Town Boulevard, Suite 2, Athens, GA, 30606
Lends in Georgia
BankSouth is a community bank headquartered in Lake Oconee, Georgia. Serving our communities for over 70 years, we offer the flexibility, warmth and customer service that only local decision-making can provide. With branch offices in Lake Oconee, downtown Greensboro, Watkinsville, Atlanta, and Savannah, Georgia,
We commit to treat each customer exactly as we want to be treated. We choose to preserve our history of perseverance, determination, hard work. We choose to respect our heritage of commerce and transport, of culture and gracious living, of fields of industry. We choose to build on that foundation with professionalism, technology.
At First American Bank & Trust, our core convictions are not just vague words in a book no one reads. For us, it's the way our business is done. We found them easy to identify because it's what we do. They're what make us the strong and stable, local bank that's here for you. We are a financial institution that specializes in serving you.
Pinnacle Bank has been a locally owned, community bank since 1934. We specialize in meeting our customers' financial needs, both now and into the future. Local decisions, quick responses and numerous locations are just a few of the reasons to choose Pinnacle Bank and also Pinnacle Bank is a state chartered community bank serving Elbert, Franklin, H
