As of 2026, the USDA loan threshold in West-Point, within the county of Troup, GA, is set at $285,000. By contrast, the FHA cap for a single-family home stands at $356,362.
Harness the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates; this will allow you to ascertain the necessary income, credit, reserves, and documents to qualify. Our comprehensive mortgage calculator provides a comparison of USDA, FHA, Conforming, and VA loans side by side, aiding your decision for the most suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conforming Conventional | $548,250 | 3% |
The primary aim of Lendersa® is to quickly provide you with the best USDA or FHA loan, free from unnecessary hassle. You can choose from one of three initial steps that lead to matching lenders and suitable USDA loan programs.
A USDA home loan, secured by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is offered exclusively in rural areas. Unlike FHA loans that demand a 3.5% minimum down payment, USDA mortgages eliminate the need for any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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