What is an FHA Loan? Requirements, How to Get One and Best Lenders
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

2024 FHA Loan Limits in Georgia

Updated on:
Content was accurate at the time of publication.

If you’re looking to purchase a single-family home in Georgia, you could borrow up to $498,257 with an FHA loan in most counties. In some higher-cost counties, you could borrow as much as $649,750, as long as you meet minimum down payment and credit score requirements. Here’s what you need to know on how to qualify.

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
APPLING$498,257$637,950$771,125$958,350$70,000
ATKINSON$498,257$637,950$771,125$958,350$84,000
BACON$498,257$637,950$771,125$958,350$65,000
BAKER$498,257$637,950$771,125$958,350$48,000
BALDWIN$498,257$637,950$771,125$958,350$150,000
BANKS$498,257$637,950$771,125$958,350$230,000
BARROW$649,750$831,800$1,005,450$1,249,550$565,000
BARTOW$649,750$831,800$1,005,450$1,249,550$565,000
BEN HILL$498,257$637,950$771,125$958,350$62,000
BERRIEN$498,257$637,950$771,125$958,350$117,000
BIBB$498,257$637,950$771,125$958,350$227,000
BLECKLEY$498,257$637,950$771,125$958,350$91,000
BRANTLEY$498,257$637,950$771,125$958,350$300,000
BROOKS$498,257$637,950$771,125$958,350$203,000
BRYAN$498,257$637,950$771,125$958,350$365,000
BULLOCH$498,257$637,950$771,125$958,350$235,000
BURKE$498,257$637,950$771,125$958,350$297,000
BUTTS$649,750$831,800$1,005,450$1,249,550$565,000
CALHOUN$498,257$637,950$771,125$958,350$36,000
CAMDEN$498,257$637,950$771,125$958,350$250,000
CANDLER$498,257$637,950$771,125$958,350$98,000
CARROLL$649,750$831,800$1,005,450$1,249,550$565,000
CATOOSA$498,257$637,950$771,125$958,350$310,000
CHARLTON$498,257$637,950$771,125$958,350$80,000
CHATHAM$498,257$637,950$771,125$958,350$365,000
CHATTAHOOCHEE$498,257$637,950$771,125$958,350$277,000
CHATTOOGA$498,257$637,950$771,125$958,350$120,000
CHEROKEE$649,750$831,800$1,005,450$1,249,550$565,000
CLARKE$546,250$699,300$845,300$1,050,500$475,000
CLAY$498,257$637,950$771,125$958,350$68,000
CLAYTON$649,750$831,800$1,005,450$1,249,550$565,000
CLINCH$498,257$637,950$771,125$958,350$69,000
COBB$649,750$831,800$1,005,450$1,249,550$565,000
COFFEE$498,257$637,950$771,125$958,350$84,000
COLQUITT$498,257$637,950$771,125$958,350$86,000
COLUMBIA$498,257$637,950$771,125$958,350$297,000
COOK$498,257$637,950$771,125$958,350$95,000
COWETA$649,750$831,800$1,005,450$1,249,550$565,000
CRAWFORD$498,257$637,950$771,125$958,350$227,000
CRISP$498,257$637,950$771,125$958,350$100,000
DADE$498,257$637,950$771,125$958,350$310,000
DAWSON$649,750$831,800$1,005,450$1,249,550$565,000
DECATUR$498,257$637,950$771,125$958,350$125,000
DEKALB$649,750$831,800$1,005,450$1,249,550$565,000
DODGE$498,257$637,950$771,125$958,350$70,000
DOOLY$498,257$637,950$771,125$958,350$84,000
DOUGHERTY$498,257$637,950$771,125$958,350$224,000
DOUGLAS$649,750$831,800$1,005,450$1,249,550$565,000
EARLY$498,257$637,950$771,125$958,350$63,000
ECHOLS$498,257$637,950$771,125$958,350$203,000
EFFINGHAM$498,257$637,950$771,125$958,350$365,000
ELBERT$498,257$637,950$771,125$958,350$70,000
EMANUEL$498,257$637,950$771,125$958,350$79,000
EVANS$498,257$637,950$771,125$958,350$78,000
FANNIN$498,257$637,950$771,125$958,350$365,000
FAYETTE$649,750$831,800$1,005,450$1,249,550$565,000
FLOYD$498,257$637,950$771,125$958,350$170,000
FORSYTH$649,750$831,800$1,005,450$1,249,550$565,000
FRANKLIN$498,257$637,950$771,125$958,350$170,000
FULTON$649,750$831,800$1,005,450$1,249,550$565,000
GILMER$498,257$637,950$771,125$958,350$159,000
GLASCOCK$498,257$637,950$771,125$958,350$83,000
GLYNN$498,257$637,950$771,125$958,350$300,000
GORDON$498,257$637,950$771,125$958,350$220,000
GRADY$498,257$637,950$771,125$958,350$114,000
GREENE$529,000$677,200$818,600$1,017,300$460,000
GWINNETT$649,750$831,800$1,005,450$1,249,550$565,000
HABERSHAM$498,257$637,950$771,125$958,350$225,000
HALL$498,257$637,950$771,125$958,350$350,000
HANCOCK$498,257$637,950$771,125$958,350$150,000
HARALSON$649,750$831,800$1,005,450$1,249,550$565,000
HARRIS$498,257$637,950$771,125$958,350$277,000
HART$498,257$637,950$771,125$958,350$205,000
HEARD$649,750$831,800$1,005,450$1,249,550$565,000
HENRY$649,750$831,800$1,005,450$1,249,550$565,000
HOUSTON$498,257$637,950$771,125$958,350$215,000
IRWIN$498,257$637,950$771,125$958,350$59,000
JACKSON$498,257$637,950$771,125$958,350$370,000
JASPER$649,750$831,800$1,005,450$1,249,550$565,000
JEFF DAVIS$498,257$637,950$771,125$958,350$64,000
JEFFERSON$498,257$637,950$771,125$958,350$58,000
JENKINS$498,257$637,950$771,125$958,350$63,000
JOHNSON$498,257$637,950$771,125$958,350$105,000
JONES$498,257$637,950$771,125$958,350$227,000
LAMAR$649,750$831,800$1,005,450$1,249,550$565,000
LANIER$498,257$637,950$771,125$958,350$203,000
LAURENS$498,257$637,950$771,125$958,350$105,000
LEE$498,257$637,950$771,125$958,350$224,000
LIBERTY$498,257$637,950$771,125$958,350$252,000
LINCOLN$498,257$637,950$771,125$958,350$297,000
LONG$498,257$637,950$771,125$958,350$252,000
LOWNDES$498,257$637,950$771,125$958,350$203,000
LUMPKIN$498,257$637,950$771,125$958,350$280,000
MACON$498,257$637,950$771,125$958,350$55,000
MADISON$546,250$699,300$845,300$1,050,500$475,000
MARION$498,257$637,950$771,125$958,350$277,000
MCDUFFIE$498,257$637,950$771,125$958,350$297,000
MCINTOSH$498,257$637,950$771,125$958,350$300,000
MERIWETHER$649,750$831,800$1,005,450$1,249,550$565,000
MILLER$498,257$637,950$771,125$958,350$85,000
MITCHELL$498,257$637,950$771,125$958,350$85,000
MONROE$498,257$637,950$771,125$958,350$227,000
MONTGOMERY$498,257$637,950$771,125$958,350$108,000
MORGAN$649,750$831,800$1,005,450$1,249,550$565,000
MURRAY$498,257$637,950$771,125$958,350$197,000
MUSCOGEE$498,257$637,950$771,125$958,350$277,000
NEWTON$649,750$831,800$1,005,450$1,249,550$565,000
OCONEE$546,250$699,300$845,300$1,050,500$475,000
OGLETHORPE$546,250$699,300$845,300$1,050,500$475,000
PAULDING$649,750$831,800$1,005,450$1,249,550$565,000
PEACH$498,257$637,950$771,125$958,350$215,000
PICKENS$649,750$831,800$1,005,450$1,249,550$565,000
PIERCE$498,257$637,950$771,125$958,350$109,000
PIKE$649,750$831,800$1,005,450$1,249,550$565,000
POLK$498,257$637,950$771,125$958,350$179,000
PULASKI$498,257$637,950$771,125$958,350$130,000
PUTNAM$498,257$637,950$771,125$958,350$265,000
QUITMAN$498,257$637,950$771,125$958,350$128,000
RABUN$498,257$637,950$771,125$958,350$238,000
RANDOLPH$498,257$637,950$771,125$958,350$54,000
RICHMOND$498,257$637,950$771,125$958,350$297,000
ROCKDALE$649,750$831,800$1,005,450$1,249,550$565,000
SCHLEY$498,257$637,950$771,125$958,350$130,000
SCREVEN$498,257$637,950$771,125$958,350$72,000
SEMINOLE$498,257$637,950$771,125$958,350$70,000
SPALDING$649,750$831,800$1,005,450$1,249,550$565,000
STEPHENS$498,257$637,950$771,125$958,350$155,000
STEWART$498,257$637,950$771,125$958,350$277,000
SUMTER$498,257$637,950$771,125$958,350$130,000
TALBOT$498,257$637,950$771,125$958,350$277,000
TALIAFERRO$498,257$637,950$771,125$958,350$80,000
TATTNALL$498,257$637,950$771,125$958,350$110,000
TAYLOR$498,257$637,950$771,125$958,350$49,000
TELFAIR$498,257$637,950$771,125$958,350$46,000
TERRELL$498,257$637,950$771,125$958,350$224,000
THOMAS$498,257$637,950$771,125$958,350$176,000
TIFT$498,257$637,950$771,125$958,350$150,000
TOOMBS$498,257$637,950$771,125$958,350$108,000
TOWNS$498,257$637,950$771,125$958,350$200,000
TREUTLEN$498,257$637,950$771,125$958,350$105,000
TROUP$498,257$637,950$771,125$958,350$182,000
TURNER$498,257$637,950$771,125$958,350$56,000
TWIGGS$498,257$637,950$771,125$958,350$227,000
UNION$498,257$637,950$771,125$958,350$175,000
UPSON$498,257$637,950$771,125$958,350$130,000
WALKER$498,257$637,950$771,125$958,350$310,000
WALTON$649,750$831,800$1,005,450$1,249,550$565,000
WARE$498,257$637,950$771,125$958,350$109,000
WARREN$498,257$637,950$771,125$958,350$55,000
WASHINGTON$498,257$637,950$771,125$958,350$80,000
WAYNE$498,257$637,950$771,125$958,350$125,000
WEBSTER$498,257$637,950$771,125$958,350$89,000
WHEELER$498,257$637,950$771,125$958,350$61,000
WHITE$498,257$637,950$771,125$958,350$230,000
WHITFIELD$498,257$637,950$771,125$958,350$197,000
WILCOX$498,257$637,950$771,125$958,350$35,000
WILKES$498,257$637,950$771,125$958,350$95,000
WILKINSON$498,257$637,950$771,125$958,350$50,000
WORTH$498,257$637,950$771,125$958,350$224,000

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FHA loan limits are determined every year by the U.S. Department of Housing and Urban Development (HUD). The amount you’re allowed to borrow for an FHA-backed loan may differ from county to county and depends on changes to median home prices in the previous year.

FHA loan limits are based on a percentage of the conforming loan limits for conventional mortgages. For 2024, the FHA “floor” or lowest FHA loan limit, is set at $498,257. This figure is 65% of the national conforming limit of $766,550 for a single-family home in most areas of the U.S.

The FHA “ceiling,” or highest loan limit, is 150% of the national conforming limit and reflects market conditions in regions with higher housing prices. In 2024, the ceiling is set at $1,149,825 for a single-family unit.

The highest amount you can borrow with a FHA-backed loan for a single-family unit in Georgia is $649,750. Requirements are generally less stringent than for conventional loans. To qualify, you’ll have to meet the following minimum FHA home loan requirements:

 Minimum down payment and credit scores. If your credit score is at least 580, you only need a 3.5% down payment. However, you could qualify with a credit score as low as 500 if you’re able to provide a 10% down payment.

 Debt-to-income (DTI) ratio. Your monthly debt payments divided by your before-tax income is your DTI ratio, which most lenders prefer to be under 43%. However, if you have a high credit score, extra savings or a large down payment, some lenders may make an exception.

 Mortgage insurance. To qualify for an FHA loan, you must purchase two types of FHA mortgage insurance. One type is an upfront mortgage insurance premium (UFMIP) that is rolled into your mortgage and costs 1.75% of your loan amount. The other type is an annual mortgage insurance premium (MIP) that costs 0.45% to 1.05% of your loan amount and is paid out monthly on top of your mortgage payments.

 FHA home appraisal. You’ll need to purchase an FHA home appraisal to buy a home with an FHA loan. This involves more stringent requirements than with conventional loans and includes both market research and a physical inspection of the building and property site.

 Occupancy requirements. FHA has strict rules against house-flipping, so you’ll have to live in the home you purchase as your primary residence for at least 12 consecutive months.

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You could be eligible to purchase a multifamily property with an FHA loan if you can come up with a 3.5% down payment. The loan limits for properties with multiple units are higher than for single-family homes. Here’s what you need to qualify:

  • Property must contain between two to four separate units
  • You must live in one of the units as your primary residence
  • Minimum credit score of 580 (or 500 with a 10% down payment)
  • Maximum DTI of 43% (some lenders may accept as high as 50% with strong credit sand demonstrated savings)
  • Purchase of FHA insurance
  • Purchase of FHA home appraisal

Number of unitsLow-cost FHA loan limit
Two$637,950
Three$771,125
Four$958350

FHA lenders in Georgia

How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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