In 2025, the USDA loan limit in Wilmington-Island, within Chatham County, GA, is $285,000. In comparison, the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to assess today's optimal USDA vs. FHA rates and determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loan options, helping you identify the most suitable program in Alabama for your financial situation.
Explore loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to connect you with the best USDA or FHA loan quickly and seamlessly. Choose one of three starting strategies that align you with compatible lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development or USDA mortgage loan, available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, the USDA mortgage requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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