FHA loans in Georgia

Contributed by Tom McLean

Feb 14, 2026

•

10-minute read

Large house in Georgia with an old tree in the forefront.

Thinking about buying a home in Georgia? With a median sale price that's about 14% below the national average in December 2025, according to Redfin, Georgia is an attractive place to buy a home. If you’re working with a smaller down payment or a lower credit score, an FHA loan can help you qualify. Learn more about how FHA loans work, including county loan limits in Georgia, down payment assistance options, pros and cons, and answers to common questions.

What are FHA loans?

FHA loans are government-backed mortgages for borrowers that offer low down payments, low closing costs, and easy credit qualification. FHA loans in Georgia are insured by the Federal Housing Administration, which means the agency reimburses lenders if the borrower defaults. This backing helps lenders offer FHA loans to borrowers who may not qualify for a conventional loan.

See what you qualify for

Get started

How do FHA loans work?

FHA loans have specific rules that help make them more accessible than many conventional options. Qualifications for an FHA loan in Georgia include steady income, a minimum credit score requirement, a minimum down payment, property requirements, and a maximum loan amount that varies by county. FHA loan rates are competitive and often lower than for other loan types.

FHA loan limits are set each year by the U.S. Department of Housing and Urban Development, and vary by county within each state, including Georgia.

A Georgia FHA loan can be used to buy various property unit types from single-family homes to multifamily properties with up to 4 units, including houses, condominiums, townhouses, and manufactured or mobile homes.

Properties must meet FHA guidelines, and borrowers must pay an up-front and an annual mortgage insurance premium (MIP). This insurance protects the lender if the borrower defaults and is part of what allows lenders to approve buyers with lower credit scores or smaller down payments.

Anyone who meets the requirements and agrees to live in the home they're buying as their primary residence can qualify for an FHA loan.

FHA also offers 203(k) rehab loans to finance home renovations and repairs. Rocket Mortgage currently does not offer FHA 203(k) loans.

FHA loans can also be used to refinance.¹ Refinancing might help you reduce your interest rate and monthly payment, or switch from an adjustable-rate to a fixed-rate mortgage.

FHA refinancing options include:

FHA Streamline refinance.² Requires less documentation and may not need an appraisal.
FHA rate-and-term or cash-out refinance. Provides flexibility to adjust loan terms or tap home equity.

For veterans and service members, additional refinance programs may be available through VA loan options.³

Take the first step toward the right mortgage

Apply online for expert recommendations with real interest rates and payments

I want to buy a home

I’d like to refinance

How 2026 FHA loan limits work in Georgia

FHA loan limits in Georgia change every year and vary by county based on local housing prices. Areas with higher home values qualify for higher limits, while lower-cost counties stay closer to the national floor.

The limits are based on median home prices in each county, up to 150% of the national conforming loan limit. Exceptions are made for homes in Alaska, Hawaii, Guam, and the U.S. Virgin Islands due to the higher construction costs.

For 2026, the FHA loan limits for a one-unit home range from $541,287 in low-cost areas to $1,249,125 in high-cost counties.

Here are the FHA loan limits by county in Georgia for buying 1- to 4-unit homes.

County	1 unit	2 units	3 units	4 units
Appling	$541,287	$693,050	$837,700	$1,041,125
Atkinson	$541,287	$693,050	$837,700	$1,041,125
Bacon	$541,287	$693,050	$837,700	$1,041,125
Baker	$541,287	$693,050	$837,700	$1,041,125
Baldwin	$541,287	$693,050	$837,700	$1,041,125
Banks	$541,287	$693,050	$837,700	$1,041,125
Barrow	$718,750	$920,150	$1,112,250	$1,382,250
Bartow	$718,750	$920,150	$1,112,250	$1,382,250
Ben Hill	$541,287	$693,050	$837,700	$1,041,125
Berrien	$541,287	$693,050	$837,700	$1,041,125
Bibb	$541,287	$693,050	$837,700	$1,041,125
Bleckley	$541,287	$693,050	$837,700	$1,041,125
Brantley	$541,287	$693,050	$837,700	$1,041,125
Brooks	$541,287	$693,050	$837,700	$1,041,125
Bryan	$541,287	$693,050	$837,700	$1,041,125
Bulloch	$541,287	$693,050	$837,700	$1,041,125
Burke	$541,287	$693,050	$837,700	$1,041,125
Butts	$718,750	$920,150	$1,112,250	$1,382,250
Calhoun	$541,287	$693,050	$837,700	$1,041,125
Camden	$541,287	$693,050	$837,700	$1,041,125
Candler	$541,287	$693,050	$837,700	$1,041,125
Carroll	$718,750	$920,150	$1,112,250	$1,382,250
Catoosa	$541,287	$693,050	$837,700	$1,041,125
Charlton	$541,287	$693,050	$837,700	$1,041,125
Chatham	$541,287	$693,050	$837,700	$1,041,125
Chattahoochee	$541,287	$693,050	$837,700	$1,041,125
Chattooga	$541,287	$693,050	$837,700	$1,041,125
Cherokee	$718,750	$920,150	$1,112,250	$1,382,250
Clarke	$616,400	$789,100	$953,850	$1,185,400
Clay	$541,287	$693,050	$837,700	$1,041,125
Clayton	$718,750	$920,150	$1,112,250	$1,382,250
Clinch	$541,287	$693,050	$837,700	$1,041,125
Cobb	$718,750	$920,150	$1,112,250	$1,382,250
Coffee	$541,287	$693,050	$837,700	$1,041,125
Colquitt	$541,287	$693,050	$837,700	$1,041,125
Columbia	$541,287	$693,050	$837,700	$1,041,125
Cook	$541,287	$693,050	$837,700	$1,041,125
Coweta	$718,750	$920,150	$1,112,250	$1,382,250
Crawford	$541,287	$693,050	$837,700	$1,041,125
Crisp	$541,287	$693,050	$837,700	$1,041,125
Dade	$541,287	$693,050	$837,700	$1,041,125
Dawson	$718,750	$920,150	$1,112,250	$1,382,250
Decatur	$541,287	$693,050	$837,700	$1,041,125
Dekalb	$718,750	$920,150	$1,112,250	$1,382,250
Dodge	$541,287	$693,050	$837,700	$1,041,125
Dooly	$541,287	$693,050	$837,700	$1,041,125
Dougherty	$541,287	$693,050	$837,700	$1,041,125
Douglas	$718,750	$920,150	$1,112,250	$1,382,250
Early	$541,287	$693,050	$837,700	$1,041,125
Echols	$541,287	$693,050	$837,700	$1,041,125
Effingham	$541,287	$693,050	$837,700	$1,041,125
Elbert	$541,287	$693,050	$837,700	$1,041,125
Emanuel	$541,287	$693,050	$837,700	$1,041,125
Evans	$541,287	$693,050	$837,700	$1,041,125
Fannin	$541,287	$693,050	$837,700	$1,041,125
Fayette	$718,750	$920,150	$1,112,250	$1,382,250
Floyd	$541,287	$693,050	$837,700	$1,041,125
Forsyth	$718,750	$920,150	$1,112,250	$1,382,250
Franklin	$541,287	$693,050	$837,700	$1,041,125
Fulton	$718,750	$920,150	$1,112,250	$1,382,250
Gilmer	$541,287	$693,050	$837,700	$1,041,125
Glascock	$541,287	$693,050	$837,700	$1,041,125
Glynn	$541,287	$693,050	$837,700	$1,041,125
Gordon	$541,287	$693,050	$837,700	$1,041,125
Grady	$541,287	$693,050	$837,700	$1,041,125
Greene	$638,250	$817,050	$987,650	$1,227,400
Gwinnett	$718,750	$920,150	$1,112,250	$1,382,250
Habersham	$541,287	$693,050	$837,700	$1,041,125
Hall	$541,287	$693,050	$837,700	$1,041,125
Hancock	$541,287	$693,050	$837,700	$1,041,125
Haralson	$718,750	$920,150	$1,112,250	$1,382,250
Harris	$541,287	$693,050	$837,700	$1,041,125
Hart	$541,287	$693,050	$837,700	$1,041,125
Heard	$718,750	$920,150	$1,112,250	$1,382,250
Henry	$718,750	$920,150	$1,112,250	$1,382,250
Houston	$541,287	$693,050	$837,700	$1,041,125
Irwin	$541,287	$693,050	$837,700	$1,041,125
Jackson	$541,287	$693,050	$837,700	$1,041,125
Jasper	$718,750	$920,150	$1,112,250	$1,382,250
Jeff Davis	$541,287	$693,050	$837,700	$1,041,125
Jefferson	$541,287	$693,050	$837,700	$1,041,125
Jenkins	$541,287	$693,050	$837,700	$1,041,125
Johnson	$541,287	$693,050	$837,700	$1,041,125
Jones	$541,287	$693,050	$837,700	$1,041,125
Lamar	$541,287	$693,050	$837,700	$1,041,125
Lanier	$541,287	$693,050	$837,700	$1,041,125
Laurens	$541,287	$693,050	$837,700	$1,041,125
Lee	$541,287	$693,050	$837,700	$1,041,125
Liberty	$541,287	$693,050	$837,700	$1,041,125
Lincoln	$541,287	$693,050	$837,700	$1,041,125
Long	$541,287	$693,050	$837,700	$1,041,125
Lowndes	$541,287	$693,050	$837,700	$1,041,125
Lumpkin	$718,750	$920,150	$1,112,250	$1,382,250
Macon	$541,287	$693,050	$837,700	$1,041,125
Madison	$616,400	$789,100	$953,850	$1,185,400
Marion	$541,287	$693,050	$837,700	$1,041,125
Mcduffie	$541,287	$693,050	$837,700	$1,041,125
Mcintosh	$541,287	$693,050	$837,700	$1,041,125
Meriwether	$718,750	$920,150	$1,112,250	$1,382,250
Miller	$541,287	$693,050	$837,700	$1,041,125
Mitchell	$541,287	$693,050	$837,700	$1,041,125
Monroe	$541,287	$693,050	$837,700	$1,041,125
Montgomery	$541,287	$693,050	$837,700	$1,041,125
Morgan	$718,750	$920,150	$1,112,250	$1,382,250
Murray	$541,287	$693,050	$837,700	$1,041,125
Muscogee	$541,287	$693,050	$837,700	$1,041,125
Newton	$718,750	$920,150	$1,112,250	$1,382,250
Oconee	$616,400	$789,100	$953,850	$1,185,400
Oglethorpe	$616,400	$789,100	$953,850	$1,185,400
Paulding	$718,750	$920,150	$1,112,250	$1,382,250
Peach	$541,287	$693,050	$837,700	$1,041,125
Pickens	$718,750	$920,150	$1,112,250	$1,382,250
Pierce	$541,287	$693,050	$837,700	$1,041,125
Pike	$718,750	$920,150	$1,112,250	$1,382,250
Polk	$541,287	$693,050	$837,700	$1,041,125
Pulaski	$541,287	$693,050	$837,700	$1,041,125
Putnam	$541,287	$693,050	$837,700	$1,041,125
Quitman	$541,287	$693,050	$837,700	$1,041,125
Rabun	$541,287	$693,050	$837,700	$1,041,125
Randolph	$541,287	$693,050	$837,700	$1,041,125
Richmond	$541,287	$693,050	$837,700	$1,041,125
Rockdale	$718,750	$920,150	$1,112,250	$1,382,250
Schley	$541,287	$693,050	$837,700	$1,041,125
Screven	$541,287	$693,050	$837,700	$1,041,125
Seminole	$541,287	$693,050	$837,700	$1,041,125
Spalding	$718,750	$920,150	$1,112,250	$1,382,250
Stephens	$541,287	$693,050	$837,700	$1,041,125
Stewart	$541,287	$693,050	$837,700	$1,041,125
Sumter	$541,287	$693,050	$837,700	$1,041,125
Talbot	$541,287	$693,050	$837,700	$1,041,125
Taliaferro	$541,287	$693,050	$837,700	$1,041,125
Tattnall	$541,287	$693,050	$837,700	$1,041,125
Taylor	$541,287	$693,050	$837,700	$1,041,125
Telfair	$541,287	$693,050	$837,700	$1,041,125
Terrell	$541,287	$693,050	$837,700	$1,041,125
Thomas	$541,287	$693,050	$837,700	$1,041,125
Tift	$541,287	$693,050	$837,700	$1,041,125
Toombs	$541,287	$693,050	$837,700	$1,041,125
Towns	$541,287	$693,050	$837,700	$1,041,125
Treutlen	$541,287	$693,050	$837,700	$1,041,125
Troup	$541,287	$693,050	$837,700	$1,041,125
Turner	$541,287	$693,050	$837,700	$1,041,125
Twiggs	$541,287	$693,050	$837,700	$1,041,125
Union	$541,287	$693,050	$837,700	$1,041,125
Upson	$541,287	$693,050	$837,700	$1,041,125
Walker	$541,287	$693,050	$837,700	$1,041,125
Walton	$718,750	$920,150	$1,112,250	$1,382,250
Ware	$541,287	$693,050	$837,700	$1,041,125
Warren	$541,287	$693,050	$837,700	$1,041,125
Washington	$541,287	$693,050	$837,700	$1,041,125
Wayne	$541,287	$693,050	$837,700	$1,041,125
Webster	$541,287	$693,050	$837,700	$1,041,125
Wheeler	$541,287	$693,050	$837,700	$1,041,125
White	$541,287	$693,050	$837,700	$1,041,125
Whitfield	$541,287	$693,050	$837,700	$1,041,125
Wilcox	$541,287	$693,050	$837,700	$1,041,125
Wilkes	$541,287	$693,050	$837,700	$1,041,125
Wilkinson	$541,287	$693,050	$837,700	$1,041,125
Worth	$541,287	$693,050	$837,700	$1,041,125

Use the HUD lookup tool to confirm your county’s current limit, then speak with a loan officer to see what you can qualify for.

Find out if an FHA loan is right for you

See rates, requirements and benefits

Explore FHA loans

FHA loan requirements

FHA loan requirements in Georgia can vary by lender. The guidelines below reflect what you can generally expect through Rocket Mortgage. It's always best to check with your FHA lender to confirm the exact qualifications for your situation.

The chart below outlines what you’ll usually need to qualify for an FHA mortgage in Georgia, including the minimum down payment, credit score, debt-to-income ratio (DTI), income, appraisal, and inspection, and more.

Minimum down payment percentage and credit score	Rocket Mortgage requires a down payment of at least 3.5% of the purchase price and a minimum credit score requirement of 580.⁴ Other lenders may offer FHA loans to borrowers with a credit score between 500 and 579, with a down payment of at least 10%.
Mortgage insurance	Up-front MIP of 1.75% of the loan amount, plus an annual MIP of between 0.45% and 1.05% of the loan balance, paid in monthly installments. MIP is paid for 11 years if your down payment is 10% or more of the purchase price, and for the entire loan term if your down payment is less than 10%.
DTI	Rocket Mortgage requires a front-end DTI of 38% and a back-end DTI of 45%. Higher DTIs may be allowed in cases with compensating factors, including a minimum credit score of 620.
FHA appraisal requirement	Home must be appraised by an FHA-approved appraiser.
Occupancy requirement	Must occupy the property within 60 days of closing and must be the primary residence.
Inspection requirement	Property must meet the FHA minimum property standards.
Income	Must prove steady employment (no specific income threshold).

FHA loan down payment assistance programs in Georgia

Down payment assistance programs can help people looking to buy a home in Georgia with an FHA loan. Rocket Mortgage offers FHA loans for those looking to purchase or refinance a home in Georgia and accepts down payment assistance. Many DPA programs require you to complete a home buyer education course.

Georgia Dream Loan Program

The Georgia Dream Loan Program offers 5% of the property purchase price up to $10,000. Assistance may increase in certain circumstances. You must have a minimum credit score of 640, or 660 if you're buying a manufactured home.

The maximum income limits required are $130,290 for 1 or 2 people and $149,833 for 3 or more people in a family.

Peach Plus Loan Program

The Peach Plus Loan Program offers 3.5% of the property purchase price up to $10,000. Assistance may increase in certain circumstances. The minimum credit score required for this program is 640, or 660 if you're buying a manufactured home. The maximum income limit is $195,435 for 1 or 2 people and $224,750 for 3 or more people, and the maximum home sales price is $650,000.

Atlanta Housing Down Payment Assistance Program

The Atlanta Housing Down Payment Assistance Program provides assistance to buyers who haven't owned a home in the past 3 years. The purchase price must be no more than $375,000 in the city of Atlanta, and your liquid assets cannot exceed $35,000. You must also contribute at least $1,500 for the primary home purchase and have, at most, 80% of the current HUD MSA area median income.

You also must meet the primary lender's credit requirements and secure approval for FHA financing. The primary loan term can range from 15 to 30 years. It must be a fixed-rate loan used to buy a single-family detached home, townhouse, or condo. You must also complete an 8-hour home buyer education course from a HUD-approved provider.

Pros and cons of buying a home in Georgia with an FHA loan

A Georgia FHA loan can help make homeownership more affordable, but it's important to understand both the pros and cons of FHA loans.

Pros

FHA loans make homeownership possible for buyers who might struggle to qualify for conventional financing. Here are some key benefits:

Most Georgia homes qualify for an FHA loan. As of December 2025, the median home price in Georgia is $368,200, well within the FHA loan limit.
Works with the Georgia Dream Homeownership Program. FHA loans can be paired with the Georgia Dream Homeownership Program, which offers down payment and closing cost assistance to qualified buyers.
Access to affordable rural housing. In South Georgia and rural counties, FHA loans open doors for buyers who don’t qualify for USDA loans but still need flexible credit requirements.

Cons

While FHA loans are accessible, there are trade-offs to consider:

Limited availability of state assistance funds. Georgia Dream program funds can run out quickly, leaving some FHA borrowers without the additional support they expected.
Older housing stock repair issues. FHA appraisals flag common problems in Georgia's older homes, like outdated electrical systems or structural concerns in historic districts, which can stall closings.
Primary residence only. You can’t use an FHA loan to buy an investment property or vacation rental. This means you must use the home as your primary residence and live there full-time.

FAQ

Let’s look at some common questions about FHA programs that might help you make a decision.

What would disqualify you from getting an FHA loan in Georgia?

You might be denied an FHA loan because of insufficient credit history, unverified income, or because you're trying to buy a property that doesn’t meet FHA standards. If you're denied an FHA loan, your lender can explain why.

What is the interest rate for an FHA loan?

For the most accurate and up-to-date information, you can visit the Rocket Mortgage FHA loan rates page.

Can you refinance an FHA loan?

Yes, you can refinance your FHA loan, as long as you meet the requirements. It’s a common move for borrowers who are looking to lower their interest rate, ease monthly payments, or borrow their home's equity for updates. Depending on your situation, you can choose an FHA Simple Refinance or an FHA Streamline Refinance.

The bottom line: Using an FHA loan to buy a home in Georgia

An FHA loan can be a great way to buy a home in Georgia. The primary benefit of an FHA loan is that it allows prospective homeowners to purchase a home when they might not qualify for a conventional loan. Just keep in mind that you’ll have to meet minimum credit score and DTI requirements, and the house you're buying in Georgia must meet FHA requirements.

So, if you’re ready to find the right home in this southwestern, sunny state, you can explore your FHA loan options and get started with Rocket Mortgage.

¹Refinancing may increase finance charges over the life of the loan.

²The FHA Streamline program may have stricter requirements in some states. In order to qualify for the FHA Streamline program, an immediate .5% minimum reduction in interest and mortgage insurance premium is required. Some states may require an appraisal.

³Rocket Mortgage is a VA-approved lender, not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

⁴To qualify for this offer, you must meet all standard FHA eligibility requirements. In addition, your total mortgage payment, including taxes and insurance, cannot exceed 38% of your income, your debt-to-income (DTI) ratio cannot exceed 45%, and you must have 12 months of verifiable housing history immediately prior to your application, no late payments 30 days or greater in the last 12-months, and no derogatory marks on your credit report. Not available on jumbo loans. Asset statements may be needed, no more than 1 day of non-sufficient fund fees are allowed in the most recent 2 months prior to application. Additional restrictions/conditions may apply.

Rocket Mortgage is a trademark of Rocket Mortgage, LLC or its affiliates.

Melissa Brock

Melissa Brock is a freelance writer and editor who writes about higher education, trading, investing, personal finance, cryptocurrency, mortgages and insurance. Melissa also writes SEO-driven blog copy for independent educational consultants and runs her website, College Money Tips, to help families navigate the college journey. She spent 12 years in the admission office at her alma mater.

Related Resources

A couple engaged with a computer in their home, likely researching or managing aspects related to their property or residence.

4-minute read

FHA loan limits: How much can you borrow in 2026?

FHA loan limits are designed to cap how much you can borrow with an FHA loan. Learn more about how these loan limits work and what the limits are for 2026.

Raltor and client chatting by a large window of a home being shown for sale.

6-minute read

What are the pros and cons of FHA loans?

The benefits of an FHA loan include a low down payment and government backing. But before you choose this type of mortgage, consider the pros and cons.

Small blue bungalow with porch surrounded by rustic wooden fence.

6-minute read

What are the FHA loan down payment requirements?

FHA loans require a 3.5% down payment with a 580 credit score and 10% down with a 500 score. Explore how FHA loan down payment requirements work.