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Georgia FHA Home Loans

FHA Mortgage Loan Programs in Georgia
FHA Loan Requirements - 2020 FHA Loan Limits

Georgia FHA Loans | Requirements | 2020 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 2020 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.

2020 Georgia FHA Loan Limits

Below are the 2020 FHA loan limits for every county in Georgia:

County Single Family 2 Family 3 Family 4 Family
APPLING COUNTY $331,760 $424,800 $513,450 $638,100
ATKINSON COUNTY $331,760 $424,800 $513,450 $638,100
BACON COUNTY $331,760 $424,800 $513,450 $638,100
BAKER COUNTY $331,760 $424,800 $513,450 $638,100
BALDWIN COUNTY $331,760 $424,800 $513,450 $638,100
BANKS COUNTY $331,760 $424,800 $513,450 $638,100
BARROW COUNTY $401,350 $513,800 $621,050 $771,850
BARTOW COUNTY $401,350 $513,800 $621,050 $771,850
BEN HILL COUNTY $331,760 $424,800 $513,450 $638,100
BERRIEN COUNTY $331,760 $424,800 $513,450 $638,100
BIBB COUNTY $331,760 $424,800 $513,450 $638,100
BLECKLEY COUNTY $331,760 $424,800 $513,450 $638,100
BRANTLEY COUNTY $331,760 $424,800 $513,450 $638,100
BROOKS COUNTY $331,760 $424,800 $513,450 $638,100
BRYAN COUNTY $331,760 $424,800 $513,450 $638,100
BULLOCH COUNTY $331,760 $424,800 $513,450 $638,100
BURKE COUNTY $331,760 $424,800 $513,450 $638,100
BUTTS COUNTY $401,350 $513,800 $621,050 $771,850
CALHOUN COUNTY $331,760 $424,800 $513,450 $638,100
CAMDEN COUNTY $331,760 $424,800 $513,450 $638,100
CANDLER COUNTY $331,760 $424,800 $513,450 $638,100
CARROLL COUNTY $401,350 $513,800 $621,050 $771,850
CATOOSA COUNTY $331,760 $424,800 $513,450 $638,100
CHARLTON COUNTY $331,760 $424,800 $513,450 $638,100
CHATHAM COUNTY $331,760 $424,800 $513,450 $638,100
CHATTAHOOCHEE COUNTY $331,760 $424,800 $513,450 $638,100
CHATTOOGA COUNTY $331,760 $424,800 $513,450 $638,100
CHEROKEE COUNTY $401,350 $513,800 $621,050 $771,850
CLARKE COUNTY $379,500 $485,800 $587,25 $729,800
CLAY COUNTY $331,760 $424,800 $513,450 $638,100
CLAYTON COUNTY $401,350 $513,800 $621,050 $771,850
CLINCH COUNTY $331,760 $424,800 $513,450 $638,100
COBB COUNTY $401,350 $513,800 $621,050 $771,850
COFFEE COUNTY $331,760 $424,800 $513,450 $638,100
COLQUITT COUNTY $331,760 $424,800 $513,450 $638,100
COLUMBIA COUNTY $331,760 $424,800 $513,450 $638,100
COOK COUNTY $331,760 $424,800 $513,450 $638,100
COWETA COUNTY $401,350 $513,800 $621,050 $771,850
CRAWFORD COUNTY $331,760 $424,800 $513,450 $638,100
CRISP COUNTY $331,760 $424,800 $513,450 $638,100
DADE COUNTY $331,760 $424,800 $513,450 $638,100
DAWSON COUNTY $401,350 $513,800 $621,050 $771,850
DECATUR COUNTY $331,760 $424,800 $513,450 $638,100
DEKALB COUNTY $401,350 $513,800 $621,050 $771,850
DODGE COUNTY $331,760 $424,800 $513,450 $638,100
DOOLY COUNTY $331,760 $424,800 $513,450 $638,100
DOUGHERTY COUNTY $331,760 $424,800 $513,450 $638,100
DOUGLAS COUNTY $401,350 $513,800 $621,050 $771,850
EARLY COUNTY $331,760 $424,800 $513,450 $638,100
ECHOLS COUNTY $331,760 $424,800 $513,450 $638,100
EFFINGHAM COUNTY $331,760 $424,800 $513,450 $638,100
ELBERT COUNTY $331,760 $424,800 $513,450 $638,100
EMANUEL COUNTY $331,760 $424,800 $513,450 $638,100
EVANS COUNTY $331,760 $424,800 $513,450 $638,100
FINNIN COUNTY $331,760 $424,800 $513,450 $638,100
FAYETTE COUNTY $401,350 $513,800 $621,050 $771,850
FLOYD COUNTY $331,760 $424,800 $513,450 $638,100
FORSYTH COUNTY $401,350 $513,800 $621,050 $771,850
FRANKLIN COUNTY $331,760 $424,800 $513,450 $638,100
FULTON COUNTY $401,350 $513,800 $621,050 $771,850
GILMER COUNTY $331,760 $424,800 $513,450 $638,100
GLASCOCK COUNTY $331,760 $424,800 $513,450 $638,100
GLYNN COUNTY $331,760 $424,800 $513,450 $638,100
GORDON COUNTY $331,760 $424,800 $513,450 $638,100
GRADY COUNTY $331,760 $424,800 $513,450 $638,100
GREENE COUNTY $515,200 $659,550 $797,250 $990,800
GWINNETT COUNTY $401,350 $513,800 $621,050 $771,850
HABERSHAM COUNTY $331,760 $424,800 $513,450 $638,100
HALL COUNTY $331,760 $424,800 $513,450 $638,100
HANCOCK COUNTY $331,760 $424,800 $513,450 $638,100
HARALSON COUNTY $401,350 $513,800 $621,050 $771,850
HARRIS COUNTY $331,760 $424,800 $513,450 $638,100
HART COUNTY $331,760 $424,800 $513,450 $638,100
HEARD COUNTY $401,350 $513,800 $621,050 $771,850
HENRY COUNTY $401,350 $513,800 $621,050 $771,850
HOUSTON COUNTY $331,760 $424,800 $513,450 $638,100
IRWIN COUNTY $331,760 $424,800 $513,450 $638,100
JACKSON COUNTY $331,760 $424,800 $513,450 $638,100
JASPER COUNTY $401,350 $513,800 $621,050 $771,850
JEFF DAVIS COUNTY $331,760 $424,800 $513,450 $638,100
JEFFERSON COUNTY $331,760 $424,800 $513,450 $638,100
JENKINS COUNTY $331,760 $424,800 $513,450 $638,100
JOHNSON COUNTY $331,760 $424,800 $513,450 $638,100
JONES COUNTY $331,760 $424,800 $513,450 $638,100
LAMAR COUNTY $401,350 $513,800 $621,050 $771,850
LANIER COUNTY $331,760 $424,800 $513,450 $638,100
LAURENS COUNTY $331,760 $424,800 $513,450 $638,100
LEE COUNTY $331,760 $424,800 $513,450 $638,100
LIBERTY COUNTY $331,760 $424,800 $513,450 $638,100
LINCOLN COUNTY $331,760 $424,800 $513,450 $638,100
LONG COUNTY $331,760 $424,800 $513,450 $638,100
LOWNDES COUNTY $331,760 $424,800 $513,450 $638,100
LUMPKIN COUNTY $331,760 $424,800 $513,450 $638,100
MACON COUNTY $331,760 $424,800 $513,450 $638,100
MADISON COUNTY $379,500 $485,800 $587,25 $729,800
MARION COUNTY $331,760 $424,800 $513,450 $638,100
MCDUFFIE COUNTY $331,760 $424,800 $513,450 $638,100
MCINTOSH COUNTY $331,760 $424,800 $513,450 $638,100
MERIWETHER COUNTY $401,350 $513,800 $621,050 $771,850
MILLER COUNTY $331,760 $424,800 $513,450 $638,100
MITCHELL COUNTY $331,760 $424,800 $513,450 $638,100
MONROE COUNTY $331,760 $424,800 $513,450 $638,100
MONTGOMERY COUNTY $331,760 $424,800 $513,450 $638,100
MORGAN COUNTY $401,350 $513,800 $621,050 $771,850
MURRAY COUNTY $331,760 $424,800 $513,450 $638,100
MUSCOGEE COUNTY $331,760 $424,800 $513,450 $638,100
NEWTON COUNTY $401,350 $513,800 $621,050 $771,850
OCONEE COUNTHY $379,500 $485,800 $587,25 $729,800
OGLETHORPE COUNTY $379,500 $485,800 $587,25 $729,800
PAULDING COUNTY $401,350 $513,800 $621,050 $771,850
PEACH COUNTY $331,760 $424,800 $513,450 $638,100
PICKENS COUNTY $401,350 $513,800 $621,050 $771,850
PIERCE COUNTY $331,760 $424,800 $513,450 $638,100
PIKE COUNTY $401,350 $513,800 $621,050 $771,850
POLK COUNTY $331,760 $424,800 $513,450 $638,100
PULASKI COUNTY $331,760 $424,800 $513,450 $638,100
PUTNAM COUNTY $331,760 $424,800 $513,450 $638,100
QUITNAM COUNTY $331,760 $424,800 $513,450 $638,100
RABUN COUNTY $331,760 $424,800 $513,450 $638,100
RANDOLPH COUNTY $331,760 $424,800 $513,450 $638,100
RICHMAN COUNTY $331,760 $424,800 $513,450 $638,100
ROCKDALE COUNTY $401,350 $513,800 $621,050 $771,850
SCHLEY COUNTY $331,760 $424,800 $513,450 $638,100
SCREVEN COUNTY $331,760 $424,800 $513,450 $638,100
SEMINOLE COUNTY $331,760 $424,800 $513,450 $638,100
SPALDING COUNTY $401,350 $513,800 $621,050 $771,850
STEPHENS COUNTY $331,760 $424,800 $513,450 $638,100
STEWART COUNTY $331,760 $424,800 $513,450 $638,100
SUMTER COUNTY $331,760 $424,800 $513,450 $638,100
TALBOT COUNTY $331,760 $424,800 $513,450 $638,100
TALIAFERRO COUNTY $331,760 $424,800 $513,450 $638,100
TATTNALL COUNTY $331,760 $424,800 $513,450 $638,100
TAYLOR COUNTY $331,760 $424,800 $513,450 $638,100
TELFAIR COUNTY $331,760 $424,800 $513,450 $638,100
TERRELL COUNTY $331,760 $424,800 $513,450 $638,100
THOMAS COUNTY $331,760 $424,800 $513,450 $638,100
TIFT COUNTY $331,760 $424,800 $513,450 $638,100
TOOMBS COUNTY $331,760 $424,800 $513,450 $638,100
TOWNS COUNTY $331,760 $424,800 $513,450 $638,100
trEUTLEN COUNTY $331,760 $424,800 $513,450 $638,100
trOUP COUNTY $331,760 $424,800 $513,450 $638,100
TURNER COUNTY $331,760 $424,800 $513,450 $638,100
TWIGGS COUNTY $331,760 $424,800 $513,450 $638,100
UNION COUNTY $331,760 $424,800 $513,450 $638,100
UPSON COUNTY $331,760 $424,800 $513,450 $638,100
WALKER COUNTY $331,760 $424,800 $513,450 $638,100
WALTON COUNTY $401,350 $513,800 $621,050 $771,850
WARE COUNTY $331,760 $424,800 $513,450 $638,100
WARREN COUNTY $331,760 $424,800 $513,450 $638,100
WASHINGTON COUNTY $331,760 $424,800 $513,450 $638,100
WAYNE COUNTY $331,760 $424,800 $513,450 $638,100
WEBSTER COUNTY $331,760 $424,800 $513,450 $638,100
WHEELER COUNTY $331,760 $424,800 $513,450 $638,100
WHITE COUNTY $331,760 $424,800 $513,450 $638,100
WHITFIELD COUNTY $331,760 $424,800 $513,450 $638,100
WILCOX COUNTY $331,760 $424,800 $513,450 $638,100
WILKES COUNTY $331,760 $424,800 $513,450 $638,100
WILKINSON COUNTY $331,760 $424,800 $513,450 $638,100
WORTH COUNTY $331,760 $424,800 $513,450 $638,100

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