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Georgia FHA Home Loans

FHA Mortgage Loan Programs in Georgia
FHA Loan Requirements - 2023 FHA Loan Limits

Georgia FHA Loans | Requirements | 2023 FHA Loan Limits

As a resident of the beautiful region of Georgia, your dream of owning your dream home can come true. FHA loans, backed by the FHA (Federal Housing Administration) are one of the best platform to get financial aid with least concerns to buy a home in Georgia.  Gaining high popularity, one can qualify for this loan process under the most minimal requirements and get to access down payments as low as 3.5 % with credit scores of just 500.
Georgia FHA Loan Requirements
Here are the mandatory requirements to be able to qualify for the FHA loans in Georgia.  If you need any assistance in figuring out your eligibility for an FHA loan, we can help. To get a call back from a reliable FHA lender, request a free consultation.

  • Credit Score– There are two ranges of down payment to qualify for under the FHA loan system. For 3.5% down payment, a credit score of 580 or higher is needed while for 10% down payment,a credit score range between 500-579 is needed.
  • Job History – Borrowers need to produce an employment proof of minimum 2 years in consistency to qualify. In case of job changes, a consistent employment and income record is important.
  • Financial Statements– Borrowers need to keep all their financial documents by their sides. Right from two most recent bank statements to pay stubs, and tax returns.
  • Debt-to-Income– FHA loans are applicable only for individuals with a debt-to-income ratio lesser than 43%.  However, under special conditions or “compensating factors,”The FHA (Federal Housing Administration), borrowers can be eligible, too. This includes- substantial savings, longer job history, or great credit scores.
  • Primary Residence– This is a major qualification to qualify for the FHA loans. Individual’s willing to buy a primary residence are only eligible to qualify under the FHA loans. The borrower must immediately occupy the home, immediately after the purchase. Borrowers intended to buy investment property, second home, or vacation home will not qualify for it.
  • Mortgage Insurance– Generally two types of mortgage insurances imply on the FHA loans, irrespective of the lender, one borrows their money from. These insurances include- the UPMIP (Upfront Mortgage Insurance Premium) and the regular MIP (Mortgage Insurance Premium).  FHA MIP works like the PMI (Private Mortgage Insurance) over the conventional loan acts. Use this FHA Loan Calculator to get an estimate of your monthly payments and mortgage insurance costs.
  • FHA Loan Limits– There are set maximum lending limits for the FHA loans based on the county levels and the geographical locations. You can check the maximum lending limits for your area from the given below list of FHA loan limits for all counties in Georgia.

Wish to validate your qualifications for an FHA loan?  Our experts can help you match the expectations of your mortgage lenders offering FHA loans in Georgia.  To get a call back from the best FHA lender, request a free consultation.

2023 Georgia FHA Loan Limits

Below are the 2023 FHA loan limits for every county in Georgia:

County Single Family 2 Family 3 Family 4 Family
APPLING  $472,030  $604,400  $730,525  $907,900
ATKINSON  $472,030  $604,400  $730,525  $907,900
BACON  $472,030  $604,400  $730,525  $907,900
BAKER  $472,030  $604,400  $730,525  $907,900
BALDWIN  $472,030  $604,400  $730,525  $907,900
BANKS  $472,030  $604,400  $730,525  $907,900
BARROW  $592,250  $758,200  $916,450  $1,138,950
BARTOW  $592,250  $758,200  $916,450  $1,138,950
BEN HILL  $472,030  $604,400  $730,525  $907,900
BERRIEN  $472,030  $604,400  $730,525  $907,900
BIBB  $472,030  $604,400  $730,525  $907,900
BLECKLEY  $472,030  $604,400  $730,525  $907,900
BRANTLEY  $472,030  $604,400  $730,525  $907,900
BROOKS  $472,030  $604,400  $730,525  $907,900
BRYAN  $472,030  $604,400  $730,525  $907,900
BULLOCH  $472,030  $604,400  $730,525  $907,900
BURKE  $472,030  $604,400  $730,525  $907,900
BUTTS  $592,250  $758,200  $916,450  $1,138,950
CALHOUN  $472,030  $604,400  $730,525  $907,900
CAMDEN  $472,030  $604,400  $730,525  $907,900
CANDLER  $472,030  $604,400  $730,525  $907,900
CARROLL  $592,250  $758,200  $916,450  $1,138,950
CATOOSA  $472,030  $604,400  $730,525  $907,900
CHARLTON  $472,030  $604,400  $730,525  $907,900
CHATHAM  $472,030  $604,400  $730,525  $907,900
CHATTAHOOCHEE  $472,030  $604,400  $730,525  $907,900
CHATTOOGA  $472,030  $604,400  $730,525  $907,900
CHEROKEE  $592,250  $758,200  $916,450  $1,138,950
CLARKE  $516,350  $661,000  $799,000  $993,000
CLAY  $472,030  $604,400  $730,525  $907,900
CLAYTON  $592,250  $758,200  $916,450  $1,138,950
CLINCH  $472,030  $604,400  $730,525  $907,900
COBB  $592,250  $758,200  $916,450  $1,138,950
COFFEE  $472,030  $604,400  $730,525  $907,900
COLQUITT  $472,030  $604,400  $730,525  $907,900
COLUMBIA  $472,030  $604,400  $730,525  $907,900
COOK  $472,030  $604,400  $730,525  $907,900
COWETA  $592,250  $758,200  $916,450  $1,138,950
CRAWFORD  $472,030  $604,400  $730,525  $907,900
CRISP  $472,030  $604,400  $730,525  $907,900
DADE  $472,030  $604,400  $730,525  $907,900
DAWSON  $592,250  $758,200  $916,450  $1,138,950
DECATUR  $472,030  $604,400  $730,525  $907,900
DEKALB  $592,250  $758,200  $916,450  $1,138,950
DODGE  $472,030  $604,400  $730,525  $907,900
DOOLY  $472,030  $604,400  $730,525  $907,900
DOUGHERTY  $472,030  $604,400  $730,525  $907,900
DOUGLAS  $592,250  $758,200  $916,450  $1,138,950
EARLY  $472,030  $604,400  $730,525  $907,900
ECHOLS  $472,030  $604,400  $730,525  $907,900
EFFINGHAM  $472,030  $604,400  $730,525  $907,900
ELBERT  $472,030  $604,400  $730,525  $907,900
EMANUEL  $472,030  $604,400  $730,525  $907,900
EVANS  $472,030  $604,400  $730,525  $907,900
FANNIN  $472,030  $604,400  $730,525  $907,900
FAYETTE  $592,250  $758,200  $916,450  $1,138,950
FLOYD  $472,030  $604,400  $730,525  $907,900
FORSYTH  $592,250  $758,200  $916,450  $1,138,950
FRANKLIN  $472,030  $604,400  $730,525  $907,900
FULTON  $592,250  $758,200  $916,450  $1,138,950
GILMER  $472,030  $604,400  $730,525  $907,900
GLASCOCK  $472,030  $604,400  $730,525  $907,900
GLYNN  $472,030  $604,400  $730,525  $907,900
GORDON  $472,030  $604,400  $730,525  $907,900
GRADY  $472,030  $604,400  $730,525  $907,900
GREENE  $515,200  $659,550  $797,250  $990,800
GWINNETT  $592,250  $758,200  $916,450  $1,138,950
HABERSHAM  $472,030  $604,400  $730,525  $907,900
HALL  $472,030  $604,400  $730,525  $907,900
HANCOCK  $472,030  $604,400  $730,525  $907,900
HARALSON  $592,250  $758,200  $916,450  $1,138,950
HARRIS  $472,030  $604,400  $730,525  $907,900
HART  $472,030  $604,400  $730,525  $907,900
HEARD  $592,250  $758,200  $916,450  $1,138,950
HENRY  $592,250  $758,200  $916,450  $1,138,950
HOUSTON  $472,030  $604,400  $730,525  $907,900
IRWIN  $472,030  $604,400  $730,525  $907,900
JACKSON  $472,030  $604,400  $730,525  $907,900
JASPER  $592,250  $758,200  $916,450  $1,138,950
JEFF DAVIS  $472,030  $604,400  $730,525  $907,900
JEFFERSON  $472,030  $604,400  $730,525  $907,900
JENKINS  $472,030  $604,400  $730,525  $907,900
JOHNSON  $472,030  $604,400  $730,525  $907,900
JONES  $472,030  $604,400  $730,525  $907,900
LAMAR  $592,250  $758,200  $916,450  $1,138,950
LANIER  $472,030  $604,400  $730,525  $907,900
LAURENS  $472,030  $604,400  $730,525  $907,900
LEE  $472,030  $604,400  $730,525  $907,900
LIBERTY  $472,030  $604,400  $730,525  $907,900
LINCOLN  $472,030  $604,400  $730,525  $907,900
LONG  $472,030  $604,400  $730,525  $907,900
LOWNDES  $472,030  $604,400  $730,525  $907,900
LUMPKIN  $472,030  $604,400  $730,525  $907,900
MCDUFFIE  $472,030  $604,400  $730,525  $907,900
MCINTOSH  $472,030  $604,400  $730,525  $907,900
MACON  $472,030  $604,400  $730,525  $907,900
MADISON  $516,350  $661,000  $799,000  $993,000
MARION  $472,030  $604,400  $730,525  $907,900
MERIWETHER  $592,250  $758,200  $916,450  $1,138,950
MILLER  $472,030  $604,400  $730,525  $907,900
MITCHELL  $472,030  $604,400  $730,525  $907,900
MONROE  $472,030  $604,400  $730,525  $907,900
MONTGOMERY  $472,030  $604,400  $730,525  $907,900
MORGAN  $592,250  $758,200  $916,450  $1,138,950
MURRAY  $472,030  $604,400  $730,525  $907,900
MUSCOGEE  $472,030  $604,400  $730,525  $907,900
NEWTON  $592,250  $758,200  $916,450  $1,138,950
OCONEE  $516,350  $661,000  $799,000  $993,000
OGLETHORPE  $516,350  $661,000  $799,000  $993,000
PAULDING  $592,250  $758,200  $916,450  $1,138,950
PEACH  $472,030  $604,400  $730,525  $907,900
PICKENS  $592,250  $758,200  $916,450  $1,138,950
PIERCE  $472,030  $604,400  $730,525  $907,900
PIKE  $592,250  $758,200  $916,450  $1,138,950
POLK  $472,030  $604,400  $730,525  $907,900
PULASKI  $472,030  $604,400  $730,525  $907,900
PUTNAM  $472,030  $604,400  $730,525  $907,900
QUITMAN  $472,030  $604,400  $730,525  $907,900
RABUN  $472,030  $604,400  $730,525  $907,900
RANDOLPH  $472,030  $604,400  $730,525  $907,900
RICHMOND  $472,030  $604,400  $730,525  $907,900
ROCKDALE  $592,250  $758,200  $916,450  $1,138,950
SCHLEY  $472,030  $604,400  $730,525  $907,900
SCREVEN  $472,030  $604,400  $730,525  $907,900
SEMINOLE  $472,030  $604,400  $730,525  $907,900
SPALDING  $592,250  $758,200  $916,450  $1,138,950
STEPHENS  $472,030  $604,400  $730,525  $907,900
STEWART  $472,030  $604,400  $730,525  $907,900
SUMTER  $472,030  $604,400  $730,525  $907,900
TALBOT  $472,030  $604,400  $730,525  $907,900
TALIAFERRO  $472,030  $604,400  $730,525  $907,900
TATTNALL  $472,030  $604,400  $730,525  $907,900
TAYLOR  $472,030  $604,400  $730,525  $907,900
TELFAIR  $472,030  $604,400  $730,525  $907,900
TERRELL  $472,030  $604,400  $730,525  $907,900
THOMAS  $472,030  $604,400  $730,525  $907,900
TIFT  $472,030  $604,400  $730,525  $907,900
TOOMBS  $472,030  $604,400  $730,525  $907,900
TOWNS  $472,030  $604,400  $730,525  $907,900
TREUTLEN  $472,030  $604,400  $730,525  $907,900
TROUP  $472,030  $604,400  $730,525  $907,900
TURNER  $472,030  $604,400  $730,525  $907,900
TWIGGS  $472,030  $604,400  $730,525  $907,900
UNION  $472,030  $604,400  $730,525  $907,900
UPSON  $472,030  $604,400  $730,525  $907,900
WALKER  $472,030  $604,400  $730,525  $907,900
WALTON  $592,250  $758,200  $916,450  $1,138,950
WARE  $472,030  $604,400  $730,525  $907,900
WARREN  $472,030  $604,400  $730,525  $907,900
WASHINGTON  $472,030  $604,400  $730,525  $907,900
WAYNE  $472,030  $604,400  $730,525  $907,900
WEBSTER  $472,030  $604,400  $730,525  $907,900
WHEELER  $472,030  $604,400  $730,525  $907,900
WHITE  $472,030  $604,400  $730,525  $907,900
WHITFIELD  $472,030  $604,400  $730,525  $907,900
WILCOX  $472,030  $604,400  $730,525  $907,900
WILKES  $472,030  $604,400  $730,525  $907,900
WILKINSON  $472,030  $604,400  $730,525  $907,900
WORTH  $472,030  $604,400  $730,525  $907,900

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