We are here to help you

Call us: 1-800-731-3560

Georgia FHA Home Loans

View Loan Limits - Calculate Your Payment
2020 Georgia FHA Loan Requirements

Georgia FHA Loans | Requirements | Loan Limits | Application

Our goal is to provide you with all of the information and tools you need in order to determine if a FHA loan is right for you. On this page, you can view the 2020 Georgia FHA loan guidelines, view loan limits by county, and calculate your monthly payment.  These guidelines include the FHA requirements related to credit history, income, employment, and the type of property you want to purchase.  After reading the loan requirements and loan limits, you can use our detailed FHA calculator, which will allow you to see what your monthly payment, mortgage insurance, and monthly escrow will be.

One of the most common questions people ask is regarding where in Georgia FHA loans are available. They are available throughout every county of the state, and you can view the max lending limits for your county below.  FHA mortgages are especially popular in cities and larger towns, such as: Albany, Alpharetta, Athens, Augusta, Columbus, Johns Creek, Macon, Marietta, Roswell, Sandy Springs, Savannah, and Valdosta. You can finance a home purchase with a FHA loan in a rural area as well though.

Georgia FHA Loan Requirements

Keep in mind that each application is looked at individually, and FHA loans have a considerable amount of leniency in what is required for an approval. There are some concrete loan requirements set out by the FHA though, which dictates what loans they will insure. The following information is written in the context of buying a home with a FHA loan. If you already have a FHA loan, or if you wish to refinance into a FHA loan, please click here to learn about FHA refinancing.

The mandatory Georgia FHA loan requirements for a home purchase are as follows:

  • Primary Residence – You must occupy the home that you intend to purchase and have it be your primary residence. The FHA does not insure investment properties. Multifamily homes are allowed, which can have up to 4 units, but you must occupy at least one of them for it to be eligible for a FHA home loan in Georgia.
  • Credit Score – A credit score of 580 or higher is needed for FHA loans.  This includes first time home buyer mortgages, repeat buyer loans, and any FHA refinance program.
  • Job History – Proof of employment for 2 years is required. It is ok if you have changed jobs, but you need to show consistency of income.
  • Income Documentation – Pay stubs and tax returns are required to show employment income, as well as bank statements, including your checking or savings accounts.
  • DTI Ratio – Your monthly debts, including your new mortgage payment, must not exceed 43% of your bring home income.  What you want to do is calculate all of your current monthly debts (do not include anything that does not show on your credit report – only those that appear on a credit report are counted).  Then, take the total of your current debts, plus what your expected new mortgage payment, and get a total.  Let’s say your current monthly debts are $750 and your new mortgage payment will be $1,000/month.  Your total monthly debts would be $1,750.  Compare this amount to your monthly income to calculate your DTI ratio.  Your monthly debts compared to your monthly income shall not exceed 43% for you to qualify for a FHA loan.

You can calculate your new FHA payment below. Not sure what your FHA interest rate will be?  We can provide you with a free consultation and rate quote.[fhacalc]

  • Price of Home – Enter the price of the home you want to buy. If you do not have a home in mind yet, just add in a number in the range you expect to want to buy a home for.
  • Mortgage – The second field titled “mortgage”, is by default on a 30 year fixed loan schedule.  This is the most common loan repayment schedule selected for FHA loans.  You can change it to 20 years, 15 years, or 10 years if you want a shorter loan amortization.
  • Interest Rate – The interest rate a borrower receives depends on their credit, income, and other qualifying factors.  To get an actual rate quote, you will need to speak with a licensed loan officer.  You can call 1-800-731-3560 to speak with a loan specialist and receive a rate quote.
  • Down Payment – FHA loans require a 3.5% down payment.  If you would like to put more down, add in more into the down payment field.  Please note that not everyone will qualify for a 3.5% down payment, and of course, not all applicants are approved for a loan at all.  The 3.5% is the amount that many FHA loan applicants will be allowed as a minimum down payment.
  • Property Taxes – Add the annual taxes for the home you want to buy.  To find out how much the annual property taxes are, check with the county assessor.  You can also ask a real estate agent to help you find out what the exact annual property taxes are for a home you are interested in.
  • Annual Insurance – The amount that the annual homeowners insurance will cost depends on the property you intend to buy, your homeowners insurance claim history (if you have owned a home before, and had to make a claim), and the specific homeowners insurance company that you select to insure your home.
  • Down Payment – This is the percentage that is calculated based upon the home purchase price and the down payment amount.

After submitting information into these fields, it will calculate how much the FHA mortgage payment will be based upon what is inputted.  The next set of data presented on the right side and shows under the total monthly payment is as follows:

  • FHA Base Loan Amount -This is the amount of your loan after subtracting your down payment from the total, but prior to adding in the FHA upfront mortgage insurance premium (UPMIP).
  • FHA Upfront MIP – All FHA loans require a 1.75% upfront mortgage insurance premium to be paid. This is calculated from the base loan amount. This 1.75% is the same for any borrower and on any type of FHA loan. It does not vary from one FHA lender to another.
  • FHA Total Loan Amount – This is the combined total of your FHA base loan amount (after subtracting the down payment), along with the FHA UPMIP. You have the option to pay the FHA UPMIP amount out of pocket, or you can wrap it into the loan amount.  Most decide to include it in the loan amount, so we have it automatically added on the calculator.
  • Principle and Interest – This is the amount of your mortgage payment before adding mortgage insurance, and property taxes, and property insurance.
  • FHA MIP – This is the monthly mortgage insurance premiums required on all FHA loans.   The amount depends on the type of loan, how many years the repayment schedule is (such as 15 years or 30 years), and the loan-to-value (LTV) ratio.  A 15 year loan with a LTV less than 90%, the monthly MIP will be 0.45%.  A 15 year loan with a LTV greater than 90%, the monthly MIP will be 0.70%.  For a 30 year loan with a LTV less than 95% the monthly MIP is 0.80%.  For a 30 year loan with a LTV greater than 95%, the monthly MIP is 0.85%.
  • Monthly Escrow – This is how much your property taxes and property insurance is after taking the annual amounts and dividing them by 12 monthly payments.

Would you like to receive more information or apply for a FHA loan?

Georgia FHA Loan Limits for 2020

Use this table to determine the max lending limits for your county. The four columns and amounts for each represent the highest loan amount the FHA will insure based on the number of units.  Keep in mind, these maximum loan limits are the ceiling amount that can be financed with a FHA loan.  The limit to how much you can personally borrow will depend on your credit, income, and how much debt you currently have.

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

Easily Receive More Information

Fill out the form below to receive more information or call 1-800-731-3560

Property State

Loan Type
 Purchase Refinance

Loan Amount

Credit Rating:  Excellent Good Fair Poor


Home Loan Programs Available In:

Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Kansas, Louisiana, Iowa, Illinois, Indiana, Maryland, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.