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Georgia FHA Home Loans

FHA Mortgage Loan Programs in Georgia
FHA Loan Requirements - 2022 FHA Loan Limits

Georgia FHA Loans | Requirements | 2022 FHA Loan Limits

FHA loans provide a great opportunity to buy a home in Georgia.  The FHA (Federal Housing Administration) was created to help the average American have a chance at owning their own home.  One of the reasons that FHA loans are so popular is because of the low down payment option.  FHA loans allow you to purchase a home with only a 3.5% down payment.  There are also less strict requirements to get an FHA loan (compared to conventional loans), such as being able to qualify with a credit score as low as 500.

Georgia FHA Loan Requirements

Below are some of the basic requirements to get an FHA loan in Georgia.  If you would like to find out if you are eligible for an FHA loan, we can help match you with a lender.  To have an FHA lender contact you, request a free consultation.

  • Credit Score – To qualify for the 3.5% down payment, you must have a 580 credit score or higher. If your credit score is between a 500-579, you still may qualify for an FHA loan, but will be required to put 10% down.
  • Job History – Proof of employment for 2 years is required. It is ok if you have changed jobs, but you need to show consistent employment/income.
  • Financial Statements – You should expect to be required to provide your 2 most recent bank statements, pay stubs, and tax returns.
  • Debt-to-Income – You can not have a debt-to-income ratio higher than 43%.  However, if you have “compensating factors” you might be able to get approved with higher debt levels (a compensating factor could be more money in savings, longer job history, or great credit).
  • Primary Residence – You must occupy the home that you intend to purchase and have it be your primary residence. FHA loans are not available to purchase an investment property, second home, or vacation home.
  • Mortgage Insurance – All FHA loans, regardless of the lender, require two types of mortgage insurance.  This includes the UPMIP (Upfront Mortgage Insurance Premium) and the regular MIP (Mortgage Insurance Premium).  FHA MIP acts similarly to how PMI (Private Mortgage Insurance) on a conventional loan acts.  You can use this FHA loan calculator to estimate your monthly payment and mortgage insurance costs.
  • FHA Loan Limits – FHA loans have maximum lending limits, which are set at the county level. You can view the 2022 FHA loan limits for all counties in Georgia below.

Would you like to see if you qualify for an FHA loan?  We can help match you with a mortgage lender that offers FHA loans in Georgia.  To have an FHA lender contact you, request a free consultation.

2022 Georgia FHA Loan Limits

Below are the 2022 FHA loan limits for every county in Georgia:

County Single Family 2 Family 3 Family 4 Family
APPLING $420,680 $538,650 $651,050 $809,150
ATKINSON $420,680 $538,650 $651,050 $809,150
BACON $420,680 $538,650 $651,050 $809,150
BAKER $420,680 $538,650 $651,050 $809,150
BALDWIN $420,680 $538,650 $651,050 $809,150
BANKS $420,680 $538,650 $651,050 $809,150
BARROW $471,500 $603,600 $729,600 $906,750
BARTOW $471,500 $603,600 $729,600 $906,750
BEN HILL $420,680 $538,650 $651,050 $809,150
BERRIEN $420,680 $538,650 $651,050 $809,150
BIBB $420,680 $538,650 $651,050 $809,150
BLECKLEY $420,680 $538,650 $651,050 $809,150
BRANTLEY $420,680 $538,650 $651,050 $809,150
BROOKS $420,680 $538,650 $651,050 $809,150
BRYAN $420,680 $538,650 $651,050 $809,150
BULLOCH $420,680 $538,650 $651,050 $809,150
BURKE $420,680 $538,650 $651,050 $809,150
BUTTS $471,500 $603,600 $729,600 $906,750
CALHOUN $420,680 $538,650 $651,050 $809,150
CAMDEN $420,680 $538,650 $651,050 $809,150
CANDLER $420,680 $538,650 $651,050 $809,150
CARROLL $471,500 $603,600 $729,600 $906,750
CATOOSA $420,680 $538,650 $651,050 $809,150
CHARLTON $420,680 $538,650 $651,050 $809,150
CHATHAM $420,680 $538,650 $651,050 $809,150
CHATTAHOOCHEE $420,680 $538,650 $651,050 $809,150
CHATTOOGA $420,680 $538,650 $651,050 $809,150
CHEROKEE $471,500 $603,600 $729,600 $906,750
CLARKE $457,700 $585,950 $708,250 $880,200
CLAY $420,680 $538,650 $651,050 $809,150
CLAYTON $471,500 $603,600 $729,600 $906,750
CLINCH $420,680 $538,650 $651,050 $809,150
COBB $471,500 $603,600 $729,600 $906,750
COFFEE $420,680 $538,650 $651,050 $809,150
COLQUITT $420,680 $538,650 $651,050 $809,150
COLUMBIA $420,680 $538,650 $651,050 $809,150
COOK $420,680 $538,650 $651,050 $809,150
COWETA $471,500 $603,600 $729,600 $906,750
CRAWFORD $420,680 $538,650 $651,050 $809,150
CRISP $420,680 $538,650 $651,050 $809,150
DADE $420,680 $538,650 $651,050 $809,150
DAWSON $471,500 $603,600 $729,600 $906,750
DECATUR $420,680 $538,650 $651,050 $809,150
DEKALB $471,500 $603,600 $729,600 $906,750
DODGE $420,680 $538,650 $651,050 $809,150
DOOLY $420,680 $538,650 $651,050 $809,150
DOUGHERTY $420,680 $538,650 $651,050 $809,150
DOUGLAS $471,500 $603,600 $729,600 $906,750
EARLY $420,680 $538,650 $651,050 $809,150
ECHOLS $420,680 $538,650 $651,050 $809,150
EFFINGHAM $420,680 $538,650 $651,050 $809,150
ELBERT $420,680 $538,650 $651,050 $809,150
EMANUEL $420,680 $538,650 $651,050 $809,150
EVANS $420,680 $538,650 $651,050 $809,150
FANNIN $420,680 $538,650 $651,050 $809,150
FAYETTE $471,500 $603,600 $729,600 $906,750
FLOYD $420,680 $538,650 $651,050 $809,150
FORSYTH $471,500 $603,600 $729,600 $906,750
FRANKLIN $420,680 $538,650 $651,050 $809,150
FULTON $471,500 $603,600 $729,600 $906,750
GILMER $420,680 $538,650 $651,050 $809,150
GLASCOCK $420,680 $538,650 $651,050 $809,150
GLYNN $420,680 $538,650 $651,050 $809,150
GORDON $420,680 $538,650 $651,050 $809,150
GRADY $420,680 $538,650 $651,050 $809,150
GREENE $515,200 $659,550 $797,250 $990,800
GWINNETT $471,500 $603,600 $729,600 $906,750
HABERSHAM $420,680 $538,650 $651,050 $809,150
HALL $420,680 $538,650 $651,050 $809,150
HANCOCK $420,680 $538,650 $651,050 $809,150
HARALSON $471,500 $603,600 $729,600 $906,750
HARRIS $420,680 $538,650 $651,050 $809,150
HART $420,680 $538,650 $651,050 $809,150
HEARD $471,500 $603,600 $729,600 $906,750
HENRY $471,500 $603,600 $729,600 $906,750
HOUSTON $420,680 $538,650 $651,050 $809,150
IRWIN $420,680 $538,650 $651,050 $809,150
JACKSON $420,680 $538,650 $651,050 $809,150
JASPER $471,500 $603,600 $729,600 $906,750
JEFF DAVIS $420,680 $538,650 $651,050 $809,150
JEFFERSON $420,680 $538,650 $651,050 $809,150
JENKINS $420,680 $538,650 $651,050 $809,150
JOHNSON $420,680 $538,650 $651,050 $809,150
JONES $420,680 $538,650 $651,050 $809,150
LAMAR $471,500 $603,600 $729,600 $906,750
LANIER $420,680 $538,650 $651,050 $809,150
LAURENS $420,680 $538,650 $651,050 $809,150
LEE $420,680 $538,650 $651,050 $809,150
LIBERTY $420,680 $538,650 $651,050 $809,150
LINCOLN $420,680 $538,650 $651,050 $809,150
LONG $420,680 $538,650 $651,050 $809,150
LOWNDES $420,680 $538,650 $651,050 $809,150
LUMPKIN $420,680 $538,650 $651,050 $809,150
MCDUFFIE $420,680 $538,650 $651,050 $809,150
MCINTOSH $420,680 $538,650 $651,050 $809,150
MACON $420,680 $538,650 $651,050 $809,150
MADISON $457,700 $585,950 $708,250 $880,200
MARION $420,680 $538,650 $651,050 $809,150
MERIWETHER $471,500 $603,600 $729,600 $906,750
MILLER $420,680 $538,650 $651,050 $809,150
MITCHELL $420,680 $538,650 $651,050 $809,150
MONROE $420,680 $538,650 $651,050 $809,150
MONTGOMERY $420,680 $538,650 $651,050 $809,150
MORGAN $471,500 $603,600 $729,600 $906,750
MURRAY $420,680 $538,650 $651,050 $809,150
MUSCOGEE $420,680 $538,650 $651,050 $809,150
NEWTON $471,500 $603,600 $729,600 $906,750
OCONEE $457,700 $585,950 $708,250 $880,200
OGLETHORPE $457,700 $585,950 $708,250 $880,200
PAULDING $471,500 $603,600 $729,600 $906,750
PEACH $420,680 $538,650 $651,050 $809,150
PICKENS $471,500 $603,600 $729,600 $906,750
PIERCE $420,680 $538,650 $651,050 $809,150
PIKE $471,500 $603,600 $729,600 $906,750
POLK $420,680 $538,650 $651,050 $809,150
PULASKI $420,680 $538,650 $651,050 $809,150
PUTNAM $420,680 $538,650 $651,050 $809,150
QUITMAN $420,680 $538,650 $651,050 $809,150
RABUN $420,680 $538,650 $651,050 $809,150
RANDOLPH $420,680 $538,650 $651,050 $809,150
RICHMOND $420,680 $538,650 $651,050 $809,150
ROCKDALE $471,500 $603,600 $729,600 $906,750
SCHLEY $420,680 $538,650 $651,050 $809,150
SCREVEN $420,680 $538,650 $651,050 $809,150
SEMINOLE $420,680 $538,650 $651,050 $809,150
SPALDING $471,500 $603,600 $729,600 $906,750
STEPHENS $420,680 $538,650 $651,050 $809,150
STEWART $420,680 $538,650 $651,050 $809,150
SUMTER $420,680 $538,650 $651,050 $809,150
TALBOT $420,680 $538,650 $651,050 $809,150
TALIAFERRO $420,680 $538,650 $651,050 $809,150
TATTNALL $420,680 $538,650 $651,050 $809,150
TAYLOR $420,680 $538,650 $651,050 $809,150
TELFAIR $420,680 $538,650 $651,050 $809,150
TERRELL $420,680 $538,650 $651,050 $809,150
THOMAS $420,680 $538,650 $651,050 $809,150
TIFT $420,680 $538,650 $651,050 $809,150
TOOMBS $420,680 $538,650 $651,050 $809,150
TOWNS $420,680 $538,650 $651,050 $809,150
TREUTLEN $420,680 $538,650 $651,050 $809,150
TROUP $420,680 $538,650 $651,050 $809,150
TURNER $420,680 $538,650 $651,050 $809,150
TWIGGS $420,680 $538,650 $651,050 $809,150
UNION $420,680 $538,650 $651,050 $809,150
UPSON $420,680 $538,650 $651,050 $809,150
WALKER $420,680 $538,650 $651,050 $809,150
WALTON $471,500 $603,600 $729,600 $906,750
WARE $420,680 $538,650 $651,050 $809,150
WARREN $420,680 $538,650 $651,050 $809,150
WASHINGTON $420,680 $538,650 $651,050 $809,150
WAYNE $420,680 $538,650 $651,050 $809,150
WEBSTER $420,680 $538,650 $651,050 $809,150
WHEELER $420,680 $538,650 $651,050 $809,150
WHITE $420,680 $538,650 $651,050 $809,150
WHITFIELD $420,680 $538,650 $651,050 $809,150
WILCOX $420,680 $538,650 $651,050 $809,150
WILKES $420,680 $538,650 $651,050 $809,150
WILKINSON $420,680 $538,650 $651,050 $809,150
WORTH $420,680 $538,650 $651,050 $809,150

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