USDA VS FHA in Waycross, Ware County, GA

In 2025, the USDA loan limit in Waycross, located in Ware County, GA, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates and determine the required income, credit, reserves, and documents for qualification. This advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the optimal program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Waycross, Ware County, GA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Waycross, GA

Lendersa® aims to provide you with the best possible USDA or FHA loan quickly and without hassle. Choose one of three starting routes that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in GA

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture. It is only available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans necessitate none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Eagle Creek Mortgage, LLC
  • 2656 Quince Orchard Rd, Suite 120, Gaithersburg, MD, 20878
  • Eagle Creek Mortgage, LLC mission is to serve our clients with honesty, integrity and competence. Our goal is to provide no-points mortgage loans to our customers while affording them the lowest possible interest rates and closing costs. Furthermore, we pledge to provide unparalleled service to each and every one of our borrowers.
  • Fidelity Direct Mortgage LLC
  • 555 Quince Orchard Road, Suite 411, Gaithersburg, MD, 20878
  • FDM was started by a group of 5 professionals in the basement of a home. Our vision was to build a mortgage company where clients and employees had a choice to make an educated decision. With these 5 professionals and armed with over 10 years of mortgage experience and industry knowledge, FDM went operational.
  • Equity Lending, Inc
  • 839 L Quince Orchard Blvd, Gaithersburg, MD, 20878
  • "We are experts in Commercial Real Estate Lending including: Acquisition Loans, Construction Loans, Short Sales, Foreclosure Financing. Apart from lending we are experienced Real Estate developers and builders, with many contacts in and around the DC area. We are a small business with only a few employees so you will always speak directly to us."
  • New Funding Resources, LLC
  • 806 West Diamond Ave. Suite 340, Gaithersburg, MD, 20878
  • We are a team of real estate and finance experts with a radically different approach to lending. Our investment philosophy is quite simple: we finance promising real estate investment opportunities. We provide our borrowers with super fast and dependable access to funds they need to buy, renovate, operate or sell single, multi-family and commerci
  • ACC Mortgage
  • 1801 Research Blvd Suite 410, Rockville, MD, 20850
  • ACC is the oldest NON QM Lender in the industry! I have been with ACC for 6 years. We offer low rates and flexible UW guidelines. Call or email me and I can assist with your scenario. DSCR- down to 0.00 Bank Statement 12/24 months 1 YEAR UN Audited P&L Second Chance- low credit/tradelines/no credit Foreign National- No income/ no credit requi
  • Capital Area REALTORS® Federal Credit Union
  • 5201 Diamondback Drive, Suite 150, Rockville, MD, 20850
  • Capital Area REALTORS® Federal Credit Union was started 50 years ago by REALTORS® for REALTORS®. We are proud to have continued the tradition by keeping our board comprised of REALTORS® and Real Estate Brokers. At CAR FCU we think of our members as neighbors and believe they deserve the confidence of working with a local team.
  • NIH Federal Credit Union
  • 111 Rockville Pike, Suite 100, Rockville, MD, 20850
  • NIH Federal Credit Union is proud to be the nation’s largest credit union serving the healthcare & biomedical industry.We strive to provide our members with exceptional service, financial advice & banking solutions that exceed expectations & enhance their lives.Our members are focused individuals – too busy to waste time & too smart to waste money.
  • Marriott Employees' Federal Credit Union
  • 1801 Research Blvd, Suite 200, Rockville, MD, 20850
  • MEFCU continues to serve thousands of Marriott International associates nationwide with the same focus by providing access to low-cost banking services that save you money and help you achieve your financial goals. We've operated on this premise since 1953, when J. W. Marriott, Sr's vision that all Hot Shoppes employees would have access