FHA Loan Limits in Georgia (2026)
For 2026, the FHA loan limit in most Georgia counties is $541,287 for a single-family home. Georgia has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Georgia
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Fulton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Gwinnett County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cobb County | $541,287 | $692,997 | $1,041,072 | Standard |
| DeKalb County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clayton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cherokee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Forsyth County | $541,287 | $692,997 | $1,041,072 | Standard |
| Henry County | $541,287 | $692,997 | $1,041,072 | Standard |
| Chatham County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hall County | $541,287 | $692,997 | $1,041,072 | Standard |
| Richmond County | $541,287 | $692,997 | $1,041,072 | Standard |
| Houston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bibb County | $541,287 | $692,997 | $1,041,072 | Standard |
| Columbia County | $541,287 | $692,997 | $1,041,072 | Standard |
| Coweta County | $541,287 | $692,997 | $1,041,072 | Standard |
| Douglas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Carroll County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fayette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Newton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bartow County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lowndes County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clarke County | $541,287 | $692,997 | $1,041,072 | Standard |
| Walton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Whitfield County | $541,287 | $692,997 | $1,041,072 | Standard |
| Floyd County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dougherty County | $541,287 | $692,997 | $1,041,072 | Standard |
| Barrow County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jackson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Muscogee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Paulding County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Georgia
FHA loans are popular with first-time buyers in Georgia because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Georgia for 2026?
- Most Georgia counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Georgia?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.