What are FHA Loan Limits in Georgia?

FHA loans are a low down payment mortgage program and Georgia FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Georgia are set at the floor amount of $275,665 across most of the state.

Georgia FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
APPLINGNON-METRO$331,760$424,800$513,450$638,100
ATKINSONDOUGLAS, GA$331,760$424,800$513,450$638,100
BACONNON-METRO$331,760$424,800$513,450$638,100
BAKERNON-METRO$331,760$424,800$513,450$638,100
BALDWINMILLEDGEVILLE, GA$331,760$424,800$513,450$638,100
BANKSNON-METRO$331,760$424,800$513,450$638,100
BARROWATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
BARTOWATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
BEN HILLFITZGERALD, GA$331,760$424,800$513,450$638,100
BERRIENNON-METRO$331,760$424,800$513,450$638,100
BIBBMACON-BIBB COUNTY, GA$331,760$424,800$513,450$638,100
BLECKLEYNON-METRO$331,760$424,800$513,450$638,100
BRANTLEYBRUNSWICK, GA$331,760$424,800$513,450$638,100
BROOKSVALDOSTA, GA$331,760$424,800$513,450$638,100
BRYANSAVANNAH, GA$331,760$424,800$513,450$638,100
BULLOCHSTATESBORO, GA$331,760$424,800$513,450$638,100
BURKEAUGUSTA-RICHMOND COUNTY, GA-SC$331,760$424,800$513,450$638,100
BUTTSATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
CALHOUNNON-METRO$331,760$424,800$513,450$638,100
CAMDENST. MARYS, GA$331,760$424,800$513,450$638,100
CANDLERNON-METRO$331,760$424,800$513,450$638,100
CARROLLATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
CATOOSACHATTANOOGA, TN-GA$331,760$424,800$513,450$638,100
CHARLTONNON-METRO$331,760$424,800$513,450$638,100
CHATHAMSAVANNAH, GA$331,760$424,800$513,450$638,100
CHATTAHOOCHEECOLUMBUS, GA-AL$331,760$424,800$513,450$638,100
CHATTOOGASUMMERVILLE, GA$331,760$424,800$513,450$638,100
CHEROKEEATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
CLARKEATHENS-CLARKE COUNTY, GA$379,500$485,800$587,250$729,800
CLAYNON-METRO$331,760$424,800$513,450$638,100
CLAYTONATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
CLINCHNON-METRO$331,760$424,800$513,450$638,100
COBBATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
COFFEEDOUGLAS, GA$331,760$424,800$513,450$638,100
COLQUITTMOULTRIE, GA$331,760$424,800$513,450$638,100
COLUMBIAAUGUSTA-RICHMOND COUNTY, GA-SC$331,760$424,800$513,450$638,100
COOKNON-METRO$331,760$424,800$513,450$638,100
COWETAATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
CRAWFORDMACON-BIBB COUNTY, GA$331,760$424,800$513,450$638,100
CRISPCORDELE, GA$331,760$424,800$513,450$638,100
DADECHATTANOOGA, TN-GA$331,760$424,800$513,450$638,100
DAWSONATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
DECATURBAINBRIDGE, GA$331,760$424,800$513,450$638,100
DEKALBATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
DODGENON-METRO$331,760$424,800$513,450$638,100
DOOLYNON-METRO$331,760$424,800$513,450$638,100
DOUGHERTYALBANY, GA$331,760$424,800$513,450$638,100
DOUGLASATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
EARLYNON-METRO$331,760$424,800$513,450$638,100
ECHOLSVALDOSTA, GA$331,760$424,800$513,450$638,100
EFFINGHAMSAVANNAH, GA$331,760$424,800$513,450$638,100
ELBERTNON-METRO$331,760$424,800$513,450$638,100
EMANUELNON-METRO$331,760$424,800$513,450$638,100
EVANSNON-METRO$331,760$424,800$513,450$638,100
FANNINNON-METRO$331,760$424,800$513,450$638,100
FAYETTEATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
FLOYDROME, GA$331,760$424,800$513,450$638,100
FORSYTHATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
FRANKLINNON-METRO$331,760$424,800$513,450$638,100
FULTONATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
GILMERNON-METRO$331,760$424,800$513,450$638,100
GLASCOCKNON-METRO$331,760$424,800$513,450$638,100
GLYNNBRUNSWICK, GA$331,760$424,800$513,450$638,100
GORDONCALHOUN, GA$331,760$424,800$513,450$638,100
GRADYNON-METRO$331,760$424,800$513,450$638,100
GREENENON-METRO$515,200$659,550$797,250$990,800
GWINNETTATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
HABERSHAMCORNELIA, GA$331,760$424,800$513,450$638,100
HALLGAINESVILLE, GA$331,760$424,800$513,450$638,100
HANCOCKMILLEDGEVILLE, GA$331,760$424,800$513,450$638,100
HARALSONATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
HARRISCOLUMBUS, GA-AL$331,760$424,800$513,450$638,100
HARTNON-METRO$331,760$424,800$513,450$638,100
HEARDATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
HENRYATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
HOUSTONWARNER ROBINS, GA$331,760$424,800$513,450$638,100
IRWINNON-METRO$331,760$424,800$513,450$638,100
JACKSONJEFFERSON, GA$331,760$424,800$513,450$638,100
JASPERATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
JEFF DAVISNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONNON-METRO$331,760$424,800$513,450$638,100
JENKINSNON-METRO$331,760$424,800$513,450$638,100
JOHNSONDUBLIN, GA$331,760$424,800$513,450$638,100
JONESMACON-BIBB COUNTY, GA$331,760$424,800$513,450$638,100
LAMARATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
LANIERVALDOSTA, GA$331,760$424,800$513,450$638,100
LAURENSDUBLIN, GA$331,760$424,800$513,450$638,100
LEEALBANY, GA$331,760$424,800$513,450$638,100
LIBERTYHINESVILLE, GA$331,760$424,800$513,450$638,100
LINCOLNAUGUSTA-RICHMOND COUNTY, GA-SC$331,760$424,800$513,450$638,100
LONGHINESVILLE, GA$331,760$424,800$513,450$638,100
LOWNDESVALDOSTA, GA$331,760$424,800$513,450$638,100
LUMPKINNON-METRO$331,760$424,800$513,450$638,100
MACONNON-METRO$331,760$424,800$513,450$638,100
MADISONATHENS-CLARKE COUNTY, GA$379,500$485,800$587,250$729,800
MARIONCOLUMBUS, GA-AL$331,760$424,800$513,450$638,100
MCDUFFIEAUGUSTA-RICHMOND COUNTY, GA-SC$331,760$424,800$513,450$638,100
MCINTOSHBRUNSWICK, GA$331,760$424,800$513,450$638,100
MERIWETHERATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
MILLERNON-METRO$331,760$424,800$513,450$638,100
MITCHELLNON-METRO$331,760$424,800$513,450$638,100
MONROEMACON-BIBB COUNTY, GA$331,760$424,800$513,450$638,100
MONTGOMERYVIDALIA, GA$331,760$424,800$513,450$638,100
MORGANATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
MURRAYDALTON, GA$331,760$424,800$513,450$638,100
MUSCOGEECOLUMBUS, GA-AL$331,760$424,800$513,450$638,100
NEWTONATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
OCONEEATHENS-CLARKE COUNTY, GA$379,500$485,800$587,250$729,800
OGLETHORPEATHENS-CLARKE COUNTY, GA$379,500$485,800$587,250$729,800
PAULDINGATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
PEACHWARNER ROBINS, GA$331,760$424,800$513,450$638,100
PICKENSATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
PIERCEWAYCROSS, GA$331,760$424,800$513,450$638,100
PIKEATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
POLKCEDARTOWN, GA$331,760$424,800$513,450$638,100
PULASKINON-METRO$331,760$424,800$513,450$638,100
PUTNAMNON-METRO$331,760$424,800$513,450$638,100
QUITMANEUFAULA, AL-GA$331,760$424,800$513,450$638,100
RABUNNON-METRO$331,760$424,800$513,450$638,100
RANDOLPHNON-METRO$331,760$424,800$513,450$638,100
RICHMONDAUGUSTA-RICHMOND COUNTY, GA-SC$331,760$424,800$513,450$638,100
ROCKDALEATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
SCHLEYAMERICUS, GA$331,760$424,800$513,450$638,100
SCREVENNON-METRO$331,760$424,800$513,450$638,100
SEMINOLENON-METRO$331,760$424,800$513,450$638,100
SPALDINGATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
STEPHENSTOCCOA, GA$331,760$424,800$513,450$638,100
STEWARTCOLUMBUS, GA-AL$331,760$424,800$513,450$638,100
SUMTERAMERICUS, GA$331,760$424,800$513,450$638,100
TALBOTCOLUMBUS, GA-AL$331,760$424,800$513,450$638,100
TALIAFERRONON-METRO$331,760$424,800$513,450$638,100
TATTNALLNON-METRO$331,760$424,800$513,450$638,100
TAYLORNON-METRO$331,760$424,800$513,450$638,100
TELFAIRNON-METRO$331,760$424,800$513,450$638,100
TERRELLALBANY, GA$331,760$424,800$513,450$638,100
THOMASTHOMASVILLE, GA$331,760$424,800$513,450$638,100
TIFTTIFTON, GA$331,760$424,800$513,450$638,100
TOOMBSVIDALIA, GA$331,760$424,800$513,450$638,100
TOWNSNON-METRO$331,760$424,800$513,450$638,100
TREUTLENDUBLIN, GA$331,760$424,800$513,450$638,100
TROUPLAGRANGE, GA-AL$331,760$424,800$513,450$638,100
TURNERNON-METRO$331,760$424,800$513,450$638,100
TWIGGSMACON-BIBB COUNTY, GA$331,760$424,800$513,450$638,100
UNIONNON-METRO$331,760$424,800$513,450$638,100
UPSONTHOMASTON, GA$331,760$424,800$513,450$638,100
WALKERCHATTANOOGA, TN-GA$331,760$424,800$513,450$638,100
WALTONATLANTA-SANDY SPRINGS-ALPHARETTA, GA$401,350$513,800$621,050$771,850
WAREWAYCROSS, GA$331,760$424,800$513,450$638,100
WARRENNON-METRO$331,760$424,800$513,450$638,100
WASHINGTONNON-METRO$331,760$424,800$513,450$638,100
WAYNEJESUP, GA$331,760$424,800$513,450$638,100
WEBSTERNON-METRO$331,760$424,800$513,450$638,100
WHEELERNON-METRO$331,760$424,800$513,450$638,100
WHITENON-METRO$331,760$424,800$513,450$638,100
WHITFIELDDALTON, GA$331,760$424,800$513,450$638,100
WILCOXNON-METRO$331,760$424,800$513,450$638,100
WILKESNON-METRO$331,760$424,800$513,450$638,100
WILKINSONNON-METRO$331,760$424,800$513,450$638,100
WORTHALBANY, GA$331,760$424,800$513,450$638,100

Georgia FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Georgia FHA Limits Set?

Georgia FHA Loan LimitsMortgage limits for Georgia FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

GA FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in GA is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in GA is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Georgia FHA loan limits are set above the floor amount of $275,665 in Atlanta, Athens, Columbus, Brunswick and Sandy Springs. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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