We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

THE FHA IN Georgia

FHA loans have been helping Georgia residents since 1934

An FHA Specialist can offer you a better loan including:

Low Down Payment Plans
Low Closing Cost
Easier Credit Qualifications
Lowest Federal Reserve based Interest Rate
24 Hour Pre-Approval Process

Georgia First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan program.

Buy a home in Georgia with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Georgia FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as FHA Mortgage Interest Rates continue to decline.

Georgia FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending Expert to talk over your financial situation so you are not left to figure out everything on your own.

Georgia FHA Home Loan

How it works:

√ Determine the type of FHA Government Loan your needs.

√ Complete an easy 2 minute application form.

√ We will forward your application to one and only one FHA Approved Lender who can best help you base.

The type of loan you requested
Your down-payment (if purchase loan)
The location (State) your property is located
Your credit history
The best rate available for your loan

√ FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√ Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√ Review with no obligations your FHA Loan Pre-approval and locked rate.

Note - It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

Georgia FHA Lending Limits 2025

Georgia Median Home Sale Price Price $388,000

County	One Unit	Two Unit	Three Unit	Four Unit
APPLING	$524,225	$671,200	$811,275	$1,008,300
ATKINSON	$524,225	$671,200	$811,275	$1,008,300
BACON	$524,225	$671,200	$811,275	$1,008,300
BAKER	$524,225	$671,200	$811,275	$1,008,300
BALDWIN	$524,225	$671,200	$811,275	$1,008,300
BANKS	$524,225	$671,200	$811,275	$1,008,300
BARROW	$688,850	$881,850	$1,065,950	$1,324,750
BARTOW	$688,850	$881,850	$1,065,950	$1,324,750
BEN HILL	$524,225	$671,200	$811,275	$1,008,300
BERRIEN	$524,225	$671,200	$811,275	$1,008,300
BIBB	$524,225	$671,200	$811,275	$1,008,300
BLECKLEY	$524,225	$671,200	$811,275	$1,008,300
BRANTLEY	$524,225	$671,200	$811,275	$1,008,300
BROOKS	$524,225	$671,200	$811,275	$1,008,300
BRYAN	$524,225	$671,200	$811,275	$1,008,300
BULLOCH	$524,225	$671,200	$811,275	$1,008,300
BURKE	$524,225	$671,200	$811,275	$1,008,300
BUTTS	$688,850	$881,850	$1,065,950	$1,324,750
CALHOUN	$524,225	$671,200	$811,275	$1,008,300
CAMDEN	$524,225	$671,200	$811,275	$1,008,300
CANDLER	$524,225	$671,200	$811,275	$1,008,300
CARROLL	$688,850	$881,850	$1,065,950	$1,324,750
CATOOSA	$524,225	$671,200	$811,275	$1,008,300
CHARLTON	$524,225	$671,200	$811,275	$1,008,300
CHATHAM	$524,225	$671,200	$811,275	$1,008,300
CHATTAH.	$524,225	$671,200	$811,275	$1,008,300
CHATTOOGA	$524,225	$671,200	$811,275	$1,008,300
CHEROKEE	$688,850	$881,850	$1,065,950	$1,324,750
CLARKE	$603,750	$772,900	$934,250	$1,161,050
CLAY	$524,225	$671,200	$811,275	$1,008,300
CLAYTON	$688,850	$881,850	$1,065,950	$1,324,750
CLINCH	$524,225	$671,200	$811,275	$1,008,300
COBB	$688,850	$881,850	$1,065,950	$1,324,750
COFFEE	$524,225	$671,200	$811,275	$1,008,300
COLQUITT	$524,225	$671,200	$811,275	$1,008,300
COLUMBIA	$524,225	$671,200	$811,275	$1,008,300
COOK	$524,225	$671,200	$811,275	$1,008,300
COWETA	$688,850	$881,850	$1,065,950	$1,324,750
CRAWFORD	$524,225	$671,200	$811,275	$1,008,300
CRISP	$524,225	$671,200	$811,275	$1,008,300
DADE	$524,225	$671,200	$811,275	$1,008,300
DAWSON	$688,850	$881,850	$1,065,950	$1,324,750
DECATUR	$524,225	$671,200	$811,275	$1,008,300
DEKALB	$688,850	$881,850	$1,065,950	$1,324,750
DODGE	$524,225	$671,200	$811,275	$1,008,300
DOOLY	$524,225	$671,200	$811,275	$1,008,300
DOUGHERTY	$524,225	$671,200	$811,275	$1,008,300
DOUGLAS	$688,850	$881,850	$1,065,950	$1,324,750
EARLY	$524,225	$671,200	$811,275	$1,008,300
ECHOLS	$524,225	$671,200	$811,275	$1,008,300
EFFINGHAM	$524,225	$671,200	$811,275	$1,008,300
ELBERT	$524,225	$671,200	$811,275	$1,008,300
EMANUEL	$524,225	$671,200	$811,275	$1,008,300
EVANS	$524,225	$671,200	$811,275	$1,008,300
FANNIN	$524,225	$671,200	$811,275	$1,008,300
FAYETTE	$688,850	$881,850	$1,065,950	$1,324,750
FLOYD	$524,225	$671,200	$811,275	$1,008,300
FORSYTH	$688,850	$881,850	$1,065,950	$1,324,750
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300
FULTON	$688,850	$881,850	$1,065,950	$1,324,750
GILMER	$524,225	$671,200	$811,275	$1,008,300
GLASCOCK	$524,225	$671,200	$811,275	$1,008,300
GLYNN	$524,225	$671,200	$811,275	$1,008,300
GORDON	$524,225	$671,200	$811,275	$1,008,300
GRADY	$524,225	$671,200	$811,275	$1,008,300
GREENE	$555,450	$711,050	$859,500	$1,068,200
GWINNETT	$688,850	$881,850	$1,065,950	$1,324,750
HABERSHAM	$524,225	$671,200	$811,275	$1,008,300
HALL	$524,225	$671,200	$811,275	$1,008,300
HANCOCK	$524,225	$671,200	$811,275	$1,008,300
HARALSON	$688,850	$881,850	$1,065,950	$1,324,750
HARRIS	$524,225	$671,200	$811,275	$1,008,300
HART	$524,225	$671,200	$811,275	$1,008,300
HEARD	$688,850	$881,850	$1,065,950	$1,324,750
HENRY	$688,850	$881,850	$1,065,950	$1,324,750
HOUSTON	$524,225	$671,200	$811,275	$1,008,300
IRWIN	$524,225	$671,200	$811,275	$1,008,300
JACKSON	$524,225	$671,200	$811,275	$1,008,300
JASPER	$688,850	$881,850	$1,065,950	$1,324,750
JEFF DAVIS	$524,225	$671,200	$811,275	$1,008,300
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300
JENKINS	$524,225	$671,200	$811,275	$1,008,300
JOHNSON	$524,225	$671,200	$811,275	$1,008,300
JONES	$524,225	$671,200	$811,275	$1,008,300
LAMAR	$688,850	$881,850	$1,065,950	$1,324,750
LANIER	$524,225	$671,200	$811,275	$1,008,300
LAURENS	$524,225	$671,200	$811,275	$1,008,300
LEE	$524,225	$671,200	$811,275	$1,008,300
LIBERTY	$524,225	$671,200	$811,275	$1,008,300
LINCOLN	$524,225	$671,200	$811,275	$1,008,300
LONG	$524,225	$671,200	$811,275	$1,008,300
LOWNDES	$524,225	$671,200	$811,275	$1,008,300
LUMPKIN	$524,225	$671,200	$811,275	$1,008,300
MACON	$524,225	$671,200	$811,275	$1,008,300
MADISON	$603,750	$772,900	$934,250	$1,161,050
MARION	$524,225	$671,200	$811,275	$1,008,300
MCDUFFIE	$524,225	$671,200	$811,275	$1,008,300
MCINTOSH	$524,225	$671,200	$811,275	$1,008,300
MERIWETHER	$688,850	$881,850	$1,065,950	$1,324,750
MILLER	$524,225	$671,200	$811,275	$1,008,300
MITCHELL	$524,225	$671,200	$811,275	$1,008,300
MONROE	$524,225	$671,200	$811,275	$1,008,300
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300
MORGAN	$688,850	$881,850	$1,065,950	$1,324,750
MURRAY	$524,225	$671,200	$811,275	$1,008,300
MUSCOGEE	$524,225	$671,200	$811,275	$1,008,300
NEWTON	$688,850	$881,850	$1,065,950	$1,324,750
OCONEE	$603,750	$772,900	$934,250	$1,161,050
OGLETHORPE	$603,750	$772,900	$934,250	$1,161,050
PAULDING	$688,850	$881,850	$1,065,950	$1,324,750
PEACH	$524,225	$671,200	$811,275	$1,008,300
PICKENS	$688,850	$881,850	$1,065,950	$1,324,750
PIERCE	$524,225	$671,200	$811,275	$1,008,300
PIKE	$688,850	$881,850	$1,065,950	$1,324,750
POLK	$524,225	$671,200	$811,275	$1,008,300
PULASKI	$524,225	$671,200	$811,275	$1,008,300
PUTNAM	$524,225	$671,200	$811,275	$1,008,300
QUITMAN	$524,225	$671,200	$811,275	$1,008,300
RABUN	$524,225	$671,200	$811,275	$1,008,300
RANDOLPH	$524,225	$671,200	$811,275	$1,008,300
RICHMOND	$524,225	$671,200	$811,275	$1,008,300
ROCKDALE	$688,850	$881,850	$1,065,950	$1,324,750
SCHLEY	$524,225	$671,200	$811,275	$1,008,300
SCREVEN	$524,225	$671,200	$811,275	$1,008,300
SEMINOLE	$524,225	$671,200	$811,275	$1,008,300
SPALDING	$688,850	$881,850	$1,065,950	$1,324,750
STEPHENS	$524,225	$671,200	$811,275	$1,008,300
STEWART	$524,225	$671,200	$811,275	$1,008,300
SUMTER	$524,225	$671,200	$811,275	$1,008,300
TALBOT	$524,225	$671,200	$811,275	$1,008,300
TALIAFERRO	$524,225	$671,200	$811,275	$1,008,300
TATTNALL	$524,225	$671,200	$811,275	$1,008,300
TAYLOR	$524,225	$671,200	$811,275	$1,008,300
TELFAIR	$524,225	$671,200	$811,275	$1,008,300
TERRELL	$524,225	$671,200	$811,275	$1,008,300
THOMAS	$524,225	$671,200	$811,275	$1,008,300
TIFT	$524,225	$671,200	$811,275	$1,008,300
TOOMBS	$524,225	$671,200	$811,275	$1,008,300
TOWNS	$524,225	$671,200	$811,275	$1,008,300
TREUTLEN	$524,225	$671,200	$811,275	$1,008,300
TROUP	$524,225	$671,200	$811,275	$1,008,300
TURNER	$524,225	$671,200	$811,275	$1,008,300
TWIGGS	$524,225	$671,200	$811,275	$1,008,300
UNION	$524,225	$671,200	$811,275	$1,008,300
UPSON	$524,225	$671,200	$811,275	$1,008,300
WALKER	$524,225	$671,200	$811,275	$1,008,300
WALTON	$688,850	$881,850	$1,065,950	$1,324,750
WARE	$524,225	$671,200	$811,275	$1,008,300
WARREN	$524,225	$671,200	$811,275	$1,008,300
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300
WAYNE	$524,225	$671,200	$811,275	$1,008,300
WEBSTER	$524,225	$671,200	$811,275	$1,008,300
WHEELER	$524,225	$671,200	$811,275	$1,008,300
WHITE	$524,225	$671,200	$811,275	$1,008,300
WHITFIELD	$524,225	$671,200	$811,275	$1,008,300
WILCOX	$524,225	$671,200	$811,275	$1,008,300
WILKES	$524,225	$671,200	$811,275	$1,008,300
WILKINSON	$524,225	$671,200	$811,275	$1,008,300
WORTH	$524,225	$671,200	$811,275	$1,008,300

FHA Loan Information

The FHA (Federal Housing Administration) does not lend money. The FHA is part of HUD & backs individual FHA Approved Lenders.

Our mission is to help you find the best FHA Approved Lender who can help you secure financing.

When you fill in our short application we will provide your information to one, (and only one) FHA Approved Lender who can help you based upon many factors, including your State, the type of FHA Loan, and your Credit History.

FHA News 2025

The FHA Weekly mortgage demand surges 11% higher, as interest rates dropped for the sixth straight week. The FHA is part of HUD & backs individual FHA Approved Lenders.

HUD Announces Changes to FHA Multifamily Mortgage Insurance Programs Home Loan: FHA to increase individual loan proceeds available to create new or refinance existing affordable multifamily rental properties and create new or substantially rehabilitate properties that provide rental opportunities for middle-income individuals and families.

FHA Proposes Looser Boarder Income Requirements For Qualifying Borrowers:These proposed changes include reducing the acceptable rental income history from two years to 12 months and expanding the types of acceptable income verification documentation

Down payment assistance programs remain underutilized, despite high eligibility among borrowers:the Quarterly Report to Congress from the U.S. Department of Housing and Urban Development (HUD) on the Federal Housing Administrations Single-Family Mutual Mortgage Insurance Fund, only 58.46% of the loans the agency endorsed were originated without the borrower receiving help for a down payment,