Georgia Conventional Loan Limits plus Conventional Loan Requirements

What are Conventional Loans and Conforming Loans?

By definition, a Conventional Loan is any mortgage that’s not guaranteed or insured by the federal government. Georgia conventional loans may be either “conforming” and “non-conforming”, although ‘conventional loans’ generally refer to ‘conforming loans’. Therefore Georgia conventional loan limits are the same thing as Georgia conforming loan limits.

Georgia Conventional Loan Limits

What is the maximum amount that I can borrow?

Conventional loan limits in Georgia are determined by:

Maximum LTV Ratio: The maximum financing loan-to-value ratio for conventional mortgages is 80% – 97% of the appraised value of the home or its selling price, whichever is lower. Learn how to calculate loan-to-value.
Maximum Loan Amount: Conventional loan limits in Georgia are set at the floor amount of $424,100 across the entire state. Metro areas in GA with a conforming limit of $424,100 include Atlanta, Athens, Savannah and Columbus.

Search all Conventional Loan Limits in Georgia:

County Name	Area	1-Unit	2-Unit	3-Unit	4-Unit
APPLING	NON-METRO	$510,400	$653,550	$789,950	$981,700
ATKINSON	DOUGLAS, GA	$510,400	$653,550	$789,950	$981,700
BACON	NON-METRO	$510,400	$653,550	$789,950	$981,700
BAKER	NON-METRO	$510,400	$653,550	$789,950	$981,700
BALDWIN	MILLEDGEVILLE, GA	$510,400	$653,550	$789,950	$981,700
BANKS	NON-METRO	$510,400	$653,550	$789,950	$981,700
BARROW	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
BARTOW	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
BEN HILL	FITZGERALD, GA	$510,400	$653,550	$789,950	$981,700
BERRIEN	NON-METRO	$510,400	$653,550	$789,950	$981,700
BIBB	MACON-BIBB COUNTY, GA	$510,400	$653,550	$789,950	$981,700
BLECKLEY	NON-METRO	$510,400	$653,550	$789,950	$981,700
BRANTLEY	BRUNSWICK, GA	$510,400	$653,550	$789,950	$981,700
BROOKS	VALDOSTA, GA	$510,400	$653,550	$789,950	$981,700
BRYAN	SAVANNAH, GA	$510,400	$653,550	$789,950	$981,700
BULLOCH	STATESBORO, GA	$510,400	$653,550	$789,950	$981,700
BURKE	AUGUSTA-RICHMOND COUNTY, GA-SC	$510,400	$653,550	$789,950	$981,700
BUTTS	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
CALHOUN	NON-METRO	$510,400	$653,550	$789,950	$981,700
CAMDEN	ST. MARYS, GA	$510,400	$653,550	$789,950	$981,700
CANDLER	NON-METRO	$510,400	$653,550	$789,950	$981,700
CARROLL	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
CATOOSA	CHATTANOOGA, TN-GA	$510,400	$653,550	$789,950	$981,700
CHARLTON	NON-METRO	$510,400	$653,550	$789,950	$981,700
CHATHAM	SAVANNAH, GA	$510,400	$653,550	$789,950	$981,700
CHATTAHOOCHEE	COLUMBUS, GA-AL	$510,400	$653,550	$789,950	$981,700
CHATTOOGA	SUMMERVILLE, GA	$510,400	$653,550	$789,950	$981,700
CHEROKEE	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
CLARKE	ATHENS-CLARKE COUNTY, GA	$510,400	$653,550	$789,950	$981,700
CLAY	NON-METRO	$510,400	$653,550	$789,950	$981,700
CLAYTON	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
CLINCH	NON-METRO	$510,400	$653,550	$789,950	$981,700
COBB	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
COFFEE	DOUGLAS, GA	$510,400	$653,550	$789,950	$981,700
COLQUITT	MOULTRIE, GA	$510,400	$653,550	$789,950	$981,700
COLUMBIA	AUGUSTA-RICHMOND COUNTY, GA-SC	$510,400	$653,550	$789,950	$981,700
COOK	NON-METRO	$510,400	$653,550	$789,950	$981,700
COWETA	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
CRAWFORD	MACON-BIBB COUNTY, GA	$510,400	$653,550	$789,950	$981,700
CRISP	CORDELE, GA	$510,400	$653,550	$789,950	$981,700
DADE	CHATTANOOGA, TN-GA	$510,400	$653,550	$789,950	$981,700
DAWSON	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
DECATUR	BAINBRIDGE, GA	$510,400	$653,550	$789,950	$981,700
DEKALB	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
DODGE	NON-METRO	$510,400	$653,550	$789,950	$981,700
DOOLY	NON-METRO	$510,400	$653,550	$789,950	$981,700
DOUGHERTY	ALBANY, GA	$510,400	$653,550	$789,950	$981,700
DOUGLAS	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
EARLY	NON-METRO	$510,400	$653,550	$789,950	$981,700
ECHOLS	VALDOSTA, GA	$510,400	$653,550	$789,950	$981,700
EFFINGHAM	SAVANNAH, GA	$510,400	$653,550	$789,950	$981,700
ELBERT	NON-METRO	$510,400	$653,550	$789,950	$981,700
EMANUEL	NON-METRO	$510,400	$653,550	$789,950	$981,700
EVANS	NON-METRO	$510,400	$653,550	$789,950	$981,700
FANNIN	NON-METRO	$510,400	$653,550	$789,950	$981,700
FAYETTE	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
FLOYD	ROME, GA	$510,400	$653,550	$789,950	$981,700
FORSYTH	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
FRANKLIN	NON-METRO	$510,400	$653,550	$789,950	$981,700
FULTON	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
GILMER	NON-METRO	$510,400	$653,550	$789,950	$981,700
GLASCOCK	NON-METRO	$510,400	$653,550	$789,950	$981,700
GLYNN	BRUNSWICK, GA	$510,400	$653,550	$789,950	$981,700
GORDON	CALHOUN, GA	$510,400	$653,550	$789,950	$981,700
GRADY	NON-METRO	$510,400	$653,550	$789,950	$981,700
GREENE	NON-METRO	$515,200	$659,550	$797,250	$990,800
GWINNETT	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
HABERSHAM	CORNELIA, GA	$510,400	$653,550	$789,950	$981,700
HALL	GAINESVILLE, GA	$510,400	$653,550	$789,950	$981,700
HANCOCK	MILLEDGEVILLE, GA	$510,400	$653,550	$789,950	$981,700
HARALSON	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
HARRIS	COLUMBUS, GA-AL	$510,400	$653,550	$789,950	$981,700
HART	NON-METRO	$510,400	$653,550	$789,950	$981,700
HEARD	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
HENRY	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
HOUSTON	WARNER ROBINS, GA	$510,400	$653,550	$789,950	$981,700
IRWIN	NON-METRO	$510,400	$653,550	$789,950	$981,700
JACKSON	JEFFERSON, GA	$510,400	$653,550	$789,950	$981,700
JASPER	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
JEFF DAVIS	NON-METRO	$510,400	$653,550	$789,950	$981,700
JEFFERSON	NON-METRO	$510,400	$653,550	$789,950	$981,700
JENKINS	NON-METRO	$510,400	$653,550	$789,950	$981,700
JOHNSON	DUBLIN, GA	$510,400	$653,550	$789,950	$981,700
JONES	MACON-BIBB COUNTY, GA	$510,400	$653,550	$789,950	$981,700
LAMAR	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
LANIER	VALDOSTA, GA	$510,400	$653,550	$789,950	$981,700
LAURENS	DUBLIN, GA	$510,400	$653,550	$789,950	$981,700
LEE	ALBANY, GA	$510,400	$653,550	$789,950	$981,700
LIBERTY	HINESVILLE, GA	$510,400	$653,550	$789,950	$981,700
LINCOLN	AUGUSTA-RICHMOND COUNTY, GA-SC	$510,400	$653,550	$789,950	$981,700
LONG	HINESVILLE, GA	$510,400	$653,550	$789,950	$981,700
LOWNDES	VALDOSTA, GA	$510,400	$653,550	$789,950	$981,700
LUMPKIN	NON-METRO	$510,400	$653,550	$789,950	$981,700
MACON	NON-METRO	$510,400	$653,550	$789,950	$981,700
MADISON	ATHENS-CLARKE COUNTY, GA	$510,400	$653,550	$789,950	$981,700
MARION	COLUMBUS, GA-AL	$510,400	$653,550	$789,950	$981,700
MCDUFFIE	AUGUSTA-RICHMOND COUNTY, GA-SC	$510,400	$653,550	$789,950	$981,700
MCINTOSH	BRUNSWICK, GA	$510,400	$653,550	$789,950	$981,700
MERIWETHER	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
MILLER	NON-METRO	$510,400	$653,550	$789,950	$981,700
MITCHELL	NON-METRO	$510,400	$653,550	$789,950	$981,700
MONROE	MACON-BIBB COUNTY, GA	$510,400	$653,550	$789,950	$981,700
MONTGOMERY	VIDALIA, GA	$510,400	$653,550	$789,950	$981,700
MORGAN	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
MURRAY	DALTON, GA	$510,400	$653,550	$789,950	$981,700
MUSCOGEE	COLUMBUS, GA-AL	$510,400	$653,550	$789,950	$981,700
NEWTON	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
OCONEE	ATHENS-CLARKE COUNTY, GA	$510,400	$653,550	$789,950	$981,700
OGLETHORPE	ATHENS-CLARKE COUNTY, GA	$510,400	$653,550	$789,950	$981,700
PAULDING	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
PEACH	WARNER ROBINS, GA	$510,400	$653,550	$789,950	$981,700
PICKENS	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
PIERCE	WAYCROSS, GA	$510,400	$653,550	$789,950	$981,700
PIKE	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
POLK	CEDARTOWN, GA	$510,400	$653,550	$789,950	$981,700
PULASKI	NON-METRO	$510,400	$653,550	$789,950	$981,700
PUTNAM	NON-METRO	$510,400	$653,550	$789,950	$981,700
QUITMAN	EUFAULA, AL-GA	$510,400	$653,550	$789,950	$981,700
RABUN	NON-METRO	$510,400	$653,550	$789,950	$981,700
RANDOLPH	NON-METRO	$510,400	$653,550	$789,950	$981,700
RICHMOND	AUGUSTA-RICHMOND COUNTY, GA-SC	$510,400	$653,550	$789,950	$981,700
ROCKDALE	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
SCHLEY	AMERICUS, GA	$510,400	$653,550	$789,950	$981,700
SCREVEN	NON-METRO	$510,400	$653,550	$789,950	$981,700
SEMINOLE	NON-METRO	$510,400	$653,550	$789,950	$981,700
SPALDING	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
STEPHENS	TOCCOA, GA	$510,400	$653,550	$789,950	$981,700
STEWART	COLUMBUS, GA-AL	$510,400	$653,550	$789,950	$981,700
SUMTER	AMERICUS, GA	$510,400	$653,550	$789,950	$981,700
TALBOT	COLUMBUS, GA-AL	$510,400	$653,550	$789,950	$981,700
TALIAFERRO	NON-METRO	$510,400	$653,550	$789,950	$981,700
TATTNALL	NON-METRO	$510,400	$653,550	$789,950	$981,700
TAYLOR	NON-METRO	$510,400	$653,550	$789,950	$981,700
TELFAIR	NON-METRO	$510,400	$653,550	$789,950	$981,700
TERRELL	ALBANY, GA	$510,400	$653,550	$789,950	$981,700
THOMAS	THOMASVILLE, GA	$510,400	$653,550	$789,950	$981,700
TIFT	TIFTON, GA	$510,400	$653,550	$789,950	$981,700
TOOMBS	VIDALIA, GA	$510,400	$653,550	$789,950	$981,700
TOWNS	NON-METRO	$510,400	$653,550	$789,950	$981,700
TREUTLEN	DUBLIN, GA	$510,400	$653,550	$789,950	$981,700
TROUP	LAGRANGE, GA-AL	$510,400	$653,550	$789,950	$981,700
TURNER	NON-METRO	$510,400	$653,550	$789,950	$981,700
TWIGGS	MACON-BIBB COUNTY, GA	$510,400	$653,550	$789,950	$981,700
UNION	NON-METRO	$510,400	$653,550	$789,950	$981,700
UPSON	THOMASTON, GA	$510,400	$653,550	$789,950	$981,700
WALKER	CHATTANOOGA, TN-GA	$510,400	$653,550	$789,950	$981,700
WALTON	ATLANTA-SANDY SPRINGS-ALPHARETTA, GA	$510,400	$653,550	$789,950	$981,700
WARE	WAYCROSS, GA	$510,400	$653,550	$789,950	$981,700
WARREN	NON-METRO	$510,400	$653,550	$789,950	$981,700
WASHINGTON	NON-METRO	$510,400	$653,550	$789,950	$981,700
WAYNE	JESUP, GA	$510,400	$653,550	$789,950	$981,700
WEBSTER	NON-METRO	$510,400	$653,550	$789,950	$981,700
WHEELER	NON-METRO	$510,400	$653,550	$789,950	$981,700
WHITE	NON-METRO	$510,400	$653,550	$789,950	$981,700
WHITFIELD	DALTON, GA	$510,400	$653,550	$789,950	$981,700
WILCOX	NON-METRO	$510,400	$653,550	$789,950	$981,700
WILKES	NON-METRO	$510,400	$653,550	$789,950	$981,700
WILKINSON	NON-METRO	$510,400	$653,550	$789,950	$981,700
WORTH	ALBANY, GA	$510,400	$653,550	$789,950	$981,700

Georgia conforming limits can change anytime. Check back often to ensure accuracy.

What factors determine if i’m eligible for a Conventional Loan in Georgia?

Conventional conforming loans follow the terms and conditions set forth by government sponsored enterprises (GSE’s) like Fannie Mae or Freddie Mac. To be eligible for a Conforming Loan in Georgia, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income. Your credit background will be considered. A FICO credit score of 620 or above is generally required to obtain a conventional loan approval. You must also have enough income to pay your housing costs plus all additional monthly debt.

How much money will I need for the down payment and closing costs?

Conventional home loans require the home buyer to invest between 3% and 20% of the sales price towards the down payment and closing costs. If the sales price is $100,000 for example, the mortgage applicant must invest at least $3,000 – $20,000 to meet conventional mortgage down payment requirements, depending on the program.

Minimum Georgia Conventional Loan Down Payment:

Residence Usage	Fixed-Rate Mortgage (FRM)	Adjustable-Rate Mortgage (ARM)
1 Unit Primary	3% Down Payment	10% Down Payment
2 Units Primary	15% Down Payment	25% Down Payment
3 Units Primary	25% Down Payment	35% Down Payment
4 Units Primary	25% Down Payment	35% Down Payment

1 Unit Second Home	10% Down Payment	20% Down Payment

1 Unit Investment	15% Down Payment	25% Down Payment
2 Units Investment	25% Down Payment	35% Down Payment
3 Units Investment	25% Down Payment	35% Down Payment
4 Units Investment	25% Down Payment	35% Down Payment

What property types are allowed for Conventional Conforming Mortgages?

Georgia Conventional Loan Requirements Conventional mortgage guidelines allow you to purchase warrantable condos, planned unit developments, modular homes, manufactured homes, and 1-4 family residences. Conventional loans can be used to finance primary residences, second homes and investment property.

Learn more about conventional mortgages.

What types of mortgage and refinance programs do Conventional Loans offer in Georgia?

There are several varieties of standard home purchase, first-time home buyer and conventional refinance loans available in Georgia:

Conventional Purchase Loans – Conventional loans offer a variety of programs for applicants with good credit ratings to buy a home. Both 3% down mortgage and 5% down mortgage options are available, however 20% down is the minimum amount required to avoid private mortgage insurance.
Conventional Rate/Term Refinance: Conventional Rate/Term refinancing loans are for borrowers who currently have an FHA, VA, USDA or conventional fixed rate mortgage or ARM loan and wish to refinance into a conventional mortgage with a lower interest rate. If you’re a homeowners considering a stable, conventional fixed-rate mortgage, this program may also eliminate your mortgage insurance if you have at 20% equity in your home. If not, Conventional 97% loan programs may also work for you.
Cash-Out Refinance: A Conventional Cash Out Refinance is perfect for the homeowner who wants to access the equity that they have built up in their home. This program is beneficial to homeowners whose property has increased in value since it was purchased.

What factors determine if I am eligible for a Conventional Refinance Loan?

To meet conventional refinance mortgage requirements in Georgia, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income. Your credit background will be considered. You must be able to cover closing costs and have enough income to pay your monthly debt.

Conventional Loan Requirements

More Georgia Mortgage Limits

You may also want to visit these additional home loan resources before deciding on a mortgage program:

Georgia Conventional Loans | GA Conforming Loan Limits

What are Conventional Loans and Conforming Loans?