FHA Loan Requirements, Limits, How to Apply and Best Lenders
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FHA Loan Limits in Georgia

Kurt Adams
Kurt Adams is a senior editor at LendingTree. Before becoming a money nerd, he has nearly a decade of experience as a writer, editor and digital marketing strategist.
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Updated on:
Content was accurate at the time of publication.

In Georgia, you can borrow up to $472,030 with an FHA loan for a single-family home in most counties in the state and take advantage of low-down payment and credit score requirements to qualify. However, homebuyers can borrow up to $592,250 for a single-family home in some higher-cost counties in the Atlanta metro area.

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Georgia FHA loan limits by county

County name One unit Two unit Three unit Four unit Median sale price
APPLING$472,030$604,400$730,525$907,900$65,000
ATKINSON$472,030$604,400$730,525$907,900$105,000
BACON$472,030$604,400$730,525$907,900$55,000
BAKER$472,030$604,400$730,525$907,900$114,000
BALDWIN$472,030$604,400$730,525$907,900$140,000
BANKS$472,030$604,400$730,525$907,900$234,000
BARROW$592,250$758,200$916,450$1,138,950$515,000
BARTOW$592,250$758,200$916,450$1,138,950$515,000
BEN HILL$472,030$604,400$730,525$907,900$83,000
BERRIEN$472,030$604,400$730,525$907,900$111,000
BIBB$472,030$604,400$730,525$907,900$239,000
BLECKLEY$472,030$604,400$730,525$907,900$110,000
BRANTLEY$472,030$604,400$730,525$907,900$278,000
BROOKS$472,030$604,400$730,525$907,900$185,000
BRYAN$472,030$604,400$730,525$907,900$319,000
BULLOCH$472,030$604,400$730,525$907,900$200,000
BURKE$472,030$604,400$730,525$907,900$275,000
BUTTS$592,250$758,200$916,450$1,138,950$515,000
CALHOUN$472,030$604,400$730,525$907,900$50,000
CAMDEN$472,030$604,400$730,525$907,900$225,000
CANDLER$472,030$604,400$730,525$907,900$123,000
CARROLL$592,250$758,200$916,450$1,138,950$515,000
CATOOSA$472,030$604,400$730,525$907,900$300,000
CHARLTON$472,030$604,400$730,525$907,900$107,000
CHATHAM$472,030$604,400$730,525$907,900$319,000
CHATTAHOOCHEE$472,030$604,400$730,525$907,900$270,000
CHATTOOGA$472,030$604,400$730,525$907,900$121,000
CHEROKEE$592,250$758,200$916,450$1,138,950$515,000
CLARKE$516,350$661,000$799,000$993,000$449,000
CLAY$472,030$604,400$730,525$907,900$60,000
CLAYTON$592,250$758,200$916,450$1,138,950$515,000
CLINCH$472,030$604,400$730,525$907,900$75,000
COBB$592,250$758,200$916,450$1,138,950$515,000
COFFEE$472,030$604,400$730,525$907,900$105,000
COLQUITT$472,030$604,400$730,525$907,900$96,000
COLUMBIA$472,030$604,400$730,525$907,900$275,000
COOK$472,030$604,400$730,525$907,900$90,000
COWETA$592,250$758,200$916,450$1,138,950$515,000
CRAWFORD$472,030$604,400$730,525$907,900$239,000
CRISP$472,030$604,400$730,525$907,900$104,000
DADE$472,030$604,400$730,525$907,900$300,000
DAWSON$592,250$758,200$916,450$1,138,950$515,000
DECATUR$472,030$604,400$730,525$907,900$105,000
DEKALB$592,250$758,200$916,450$1,138,950$515,000
DODGE$472,030$604,400$730,525$907,900$60,000
DOOLY$472,030$604,400$730,525$907,900$63,000
DOUGHERTY$472,030$604,400$730,525$907,900$220,000
DOUGLAS$592,250$758,200$916,450$1,138,950$515,000
EARLY$472,030$604,400$730,525$907,900$70,000
ECHOLS$472,030$604,400$730,525$907,900$185,000
EFFINGHAM$472,030$604,400$730,525$907,900$319,000
ELBERT$472,030$604,400$730,525$907,900$100,000
EMANUEL$472,030$604,400$730,525$907,900$69,000
EVANS$472,030$604,400$730,525$907,900$75,000
FANNIN$472,030$604,400$730,525$907,900$365,000
FAYETTE$592,250$758,200$916,450$1,138,950$515,000
FLOYD$472,030$604,400$730,525$907,900$166,000
FORSYTH$592,250$758,200$916,450$1,138,950$515,000
FRANKLIN$472,030$604,400$730,525$907,900$135,000
FULTON$592,250$758,200$916,450$1,138,950$515,000
GILMER$472,030$604,400$730,525$907,900$127,000
GLASCOCK$472,030$604,400$730,525$907,900$73,000
GLYNN$472,030$604,400$730,525$907,900$278,000
GORDON$472,030$604,400$730,525$907,900$205,000
GRADY$472,030$604,400$730,525$907,900$108,000
GREENE$515,200$659,550$797,250$990,800$325,000
GWINNETT$592,250$758,200$916,450$1,138,950$515,000
HABERSHAM$472,030$604,400$730,525$907,900$210,000
HALL$472,030$604,400$730,525$907,900$330,000
HANCOCK$472,030$604,400$730,525$907,900$140,000
HARALSON$592,250$758,200$916,450$1,138,950$515,000
HARRIS$472,030$604,400$730,525$907,900$270,000
HART$472,030$604,400$730,525$907,900$200,000
HEARD$592,250$758,200$916,450$1,138,950$515,000
HENRY$592,250$758,200$916,450$1,138,950$515,000
HOUSTON$472,030$604,400$730,525$907,900$205,000
IRWIN$472,030$604,400$730,525$907,900$100,000
JACKSON$472,030$604,400$730,525$907,900$338,000
JASPER$592,250$758,200$916,450$1,138,950$515,000
JEFF DAVIS$472,030$604,400$730,525$907,900$70,000
JEFFERSON$472,030$604,400$730,525$907,900$57,000
JENKINS$472,030$604,400$730,525$907,900$69,000
JOHNSON$472,030$604,400$730,525$907,900$110,000
JONES$472,030$604,400$730,525$907,900$239,000
LAMAR$592,250$758,200$916,450$1,138,950$515,000
LANIER$472,030$604,400$730,525$907,900$185,000
LAURENS$472,030$604,400$730,525$907,900$110,000
LEE$472,030$604,400$730,525$907,900$220,000
LIBERTY$472,030$604,400$730,525$907,900$230,000
LINCOLN$472,030$604,400$730,525$907,900$275,000
LONG$472,030$604,400$730,525$907,900$230,000
LOWNDES$472,030$604,400$730,525$907,900$185,000
LUMPKIN$472,030$604,400$730,525$907,900$250,000
MACON$472,030$604,400$730,525$907,900$63,000
MADISON$516,350$661,000$799,000$993,000$449,000
MARION$472,030$604,400$730,525$907,900$270,000
MCDUFFIE$472,030$604,400$730,525$907,900$275,000
MCINTOSH$472,030$604,400$730,525$907,900$278,000
MERIWETHER$592,250$758,200$916,450$1,138,950$515,000
MILLER$472,030$604,400$730,525$907,900$82,000
MITCHELL$472,030$604,400$730,525$907,900$70,000
MONROE$472,030$604,400$730,525$907,900$239,000
MONTGOMERY$472,030$604,400$730,525$907,900$113,000
MORGAN$592,250$758,200$916,450$1,138,950$515,000
MURRAY$472,030$604,400$730,525$907,900$185,000
MUSCOGEE$472,030$604,400$730,525$907,900$270,000
NEWTON$592,250$758,200$916,450$1,138,950$515,000
OCONEE$516,350$661,000$799,000$993,000$449,000
OGLETHORPE$516,350$661,000$799,000$993,000$449,000
PAULDING$592,250$758,200$916,450$1,138,950$515,000
PEACH$472,030$604,400$730,525$907,900$205,000
PICKENS$592,250$758,200$916,450$1,138,950$515,000
PIERCE$472,030$604,400$730,525$907,900$139,000
PIKE$592,250$758,200$916,450$1,138,950$515,000
POLK$472,030$604,400$730,525$907,900$160,000
PULASKI$472,030$604,400$730,525$907,900$125,000
PUTNAM$472,030$604,400$730,525$907,900$243,000
QUITMAN$472,030$604,400$730,525$907,900$119,000
RABUN$472,030$604,400$730,525$907,900$215,000
RANDOLPH$472,030$604,400$730,525$907,900$41,000
RICHMOND$472,030$604,400$730,525$907,900$275,000
ROCKDALE$592,250$758,200$916,450$1,138,950$515,000
SCHLEY$472,030$604,400$730,525$907,900$83,000
SCREVEN$472,030$604,400$730,525$907,900$65,000
SEMINOLE$472,030$604,400$730,525$907,900$58,000
SPALDING$592,250$758,200$916,450$1,138,950$515,000
STEPHENS$472,030$604,400$730,525$907,900$139,000
STEWART$472,030$604,400$730,525$907,900$270,000
SUMTER$472,030$604,400$730,525$907,900$83,000
TALBOT$472,030$604,400$730,525$907,900$270,000
TALIAFERRO$472,030$604,400$730,525$907,900$85,000
TATTNALL$472,030$604,400$730,525$907,900$90,000
TAYLOR$472,030$604,400$730,525$907,900$61,000
TELFAIR$472,030$604,400$730,525$907,900$45,000
TERRELL$472,030$604,400$730,525$907,900$220,000
THOMAS$472,030$604,400$730,525$907,900$180,000
TIFT$472,030$604,400$730,525$907,900$169,000
TOOMBS$472,030$604,400$730,525$907,900$113,000
TOWNS$472,030$604,400$730,525$907,900$190,000
TREUTLEN$472,030$604,400$730,525$907,900$110,000
TROUP$472,030$604,400$730,525$907,900$175,000
TURNER$472,030$604,400$730,525$907,900$75,000
TWIGGS$472,030$604,400$730,525$907,900$239,000
UNION$472,030$604,400$730,525$907,900$160,000
UPSON$472,030$604,400$730,525$907,900$130,000
WALKER$472,030$604,400$730,525$907,900$300,000
WALTON$592,250$758,200$916,450$1,138,950$515,000
WARE$472,030$604,400$730,525$907,900$139,000
WARREN$472,030$604,400$730,525$907,900$51,000
WASHINGTON$472,030$604,400$730,525$907,900$75,000
WAYNE$472,030$604,400$730,525$907,900$138,000
WEBSTER$472,030$604,400$730,525$907,900$60,000
WHEELER$472,030$604,400$730,525$907,900$75,000
WHITE$472,030$604,400$730,525$907,900$215,000
WHITFIELD$472,030$604,400$730,525$907,900$185,000
WILCOX$472,030$604,400$730,525$907,900$55,000
WILKES$472,030$604,400$730,525$907,900$100,000
WILKINSON$472,030$604,400$730,525$907,900$59,000
WORTH$472,030$604,400$730,525$907,900$220,000

How are FHA loan limits determined?

Each year, the U.S. Department of Housing and Urban Development (HUD) calculates the FHA loan limits based on a percentage of the conforming loan limits for conventional mortgages. FHA loan limits change annually and are set county by county based on how median home prices have risen or fallen in the prior year.

For 2023, the FHA “floor” or lowest FHA loan limit is $472,030, which is 65% of the national conforming limit of $726,200 for a single-family home. The highest FHA loan limit can be as high as 150% of the conforming loan limit in high-cost parts of the country. The highest single-family loan limit is $592,250 and applies to 27 counties in Georgia.

How to qualify for an FHA loan in Georgia

This year’s higher Georgia FHA loan limits are good news considering the median home prices in 27 counties in Georgia increased to $515,000 this past year. However, you’ll need to meet the following minimum FHA mortgage requirements to qualify for an FHA loan in Georgia:

Down payment and credit scores. You only need a 3.5% down payment if your credit score is 580 or higher. With a 10% down payment, you may qualify for an FHA loan with a credit score as low as 500.

Debt-to-income (DTI) ratio. Lenders measure your debt-to-income (DTI) ratio by dividing your monthly debt by your before-tax income. Most lenders prefer a maximum 43% DTI ratio, but exceptions may be made for borrowers with strong credit scores or additional cash reserves.

Mortgage insurance. FHA loans require you to purchase two types of mortgage insurance. One is an annual mortgage insurance premium (MIP) that costs 0.45% to 1.05% of your loan amount and is divided by 12 and then added to your monthly mortgage payments. The upfront mortgage insurance premium (UFMIP) costs 1.75% of your loan amount and is typically rolled into your mortgage.

Occupancy. You must live in the home as your primary residence for at least 12 months after you purchase it with an FHA loan.

An FHA home appraisal. You’ll need an FHA home appraisal to buy a home with an FHA loan, and the requirements are more stringent than with conventional loans.

Buying a multifamily property with an FHA loan

You may qualify to buy a multifamily property with an FHA loan with a 3.5% down payment. You must make one dwelling your primary residence, but you can rent out the others, and you may be able to use the rental income to help you qualify. An added benefit: FHA loan limits are higher for each additional unit up to four units. The low-cost multifamily FHA loan limits are below:

Number of unitsLow-cost FHA loan limit
Two$604,400
Three$730,525
Four$907,900

FHA lenders in Georgia

Lender nameLT ratingMinimum FHA credit score
PennyMac Mortgage5 stars580
Truist Mortgage4 stars580
Fairway Independent Mortgage3 stars580
Caliber Home Loans3 stars620

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