USDA Vs. FHA your options comparison in Waynesboro, Burke County, GA
In 2026, the USDA loan limit in Waynesboro, positioned within Burke county, GA, is $336,500. For a single-family home, the FHA limit is $472,030.
Lendersa®'s USDA loan calculator allows you to compare today's top USDA and FHA rates, analyzing the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, ensuring you select the ideal program in for your financial needs.
2026 Loan Limits and Down payment Requirements in Waynesboro, Burke, GA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Investigating USDA and FHA Loan Options in Waynesboro, GA
Lendersa® is dedicated to obtaining the best possible USDA or FHA loan swiftly and hassle-free. Begin with one of three choices to connect with matching lenders offering USDA loan programs.
A USDA home loan is a government-insured loan administered by the Department of Agriculture, also termed a USDA rural development loan or mortgage, and is suited only for rural areas. Unlike FHA loans that mandate at least a 3.5% down payment, the USDA mortgage does not require any down payment.
We were founded by people who wanted to offer a better banking experience—one with the technical prowess of a big bank and the personal service of a community bank. The Southern Bank blends those two experiences into one, with business-minded bankers delivering big-bank technology without losing the warmth and classic
The mission of First National Bank of Waynesboro is to be the most innovative, trustworthy, friendly financial institution with the community’s interests at heart. First National Bank of Waynesboro strives to inform, educate, & develop the most up to date technology & services for all customers’ financial needs in Burke County & surrounding areas.
We prefer to put people first. So, we made sure everything we do provides real value to our friends and neighbors.
With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving the citizens of Jefferson County and surrounding areas since 1964.
In 1976, Health Center Credit Union (HCCU) was chartered by the Georgia Department of Banking and Finance. HCCU opened its first office in the Murphy Building at the Medical College of Georgia (Augusta). The second branch was opened in 1987 at St. Joseph Hospital (University Hospital Summerville) followed by branches at Augusta State University.
The UNFCU is a non–for–profit financial organization owned and operated by its membership. The Credit Union was charter in 2003. The membership consists of the Beulah Grove Baptist Church, the Broadway Baptist Church, their affiliates, members and their family members. As these individuals pool their resources.
As regional banks have dissolved or been bought up by larger banks, many of the best and brightest bankers have sought out a place to work where long term relationships were valued over short term gains. That place is Queensborough. We are delighted to provide the professional banker expertise you need with a personal banker attitude you want.
1030 Jimmie DYess Parkway, Suite 7, Augusta, GA, 30909
Lends in Georgia
Mortgage First Augusta is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
First Choice Mortgage in Augusta, GA houses an experienced, dedicated, and knowledgeable team. We are one of the best mortgage lenders and brokerage firms serving the lending needs of real estate professionals, builders, and individual homebuyers throughout Georgia and South Carolina since 1992.
