Atlanta FHA Loan Rates, Closing Costs & Stats

ATLANTA-SANDY SPRINGS-ALPHARETTA, GA

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Atlanta's 299 lenders originated 25,738 FHA loans during 2024. The total origination value was $8,454,540,000, with an average FHA loan value of $328,485.

Atlanta FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Atlanta averaged -0.01% for the week of 2025-07-04, compared to the national average (all FHA variants) of 0% for the same period.

Atlanta's average FHA mortgage closing costs are $9,401.

The average rate for the prior week (2025-06-27) was 6.58% and one month ago for the week of 2025-05-30, the average rate was 6.65%.

The average rate one year ago was 6.57%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.33%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Atlanta FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Atlanta level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 2,133 6.22% $13,848
UNITED WHOLESALE MORTGAGE, LLC 2,126 6.07% $15,228
DHI MORTGAGE COMPANY, LTD. 935 5.26% $9,599
FREEDOM MORTGAGE CORPORATION 847 6.27% $13,978
BROKER SOLUTIONS, INC. 795 6.44% $15,116
LOANDEPOT.COM, LLC 635 5.96% $14,195
GUILD MORTGAGE COMPANY 577 6.14% $14,743
EVERETT FINANCIAL, INC. 530 6.92% $15,678
CROSSCOUNTRY MORTGAGE, LLC 510 6.48% $14,599
MOVEMENT MORTGAGE, LLC 464 6.33% $15,259
PENNYMAC LOAN SERVICES, LLC 445 6.03% $12,556
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 427 6.52% $13,184
SOUTHEAST MORTGAGE OF GEORGIA, INC. 419 6.39% $14,307
Ameris Bank 412 6.16% $14,146
BANKSOUTH MORTGAGE COMPANY, LLC 407 5.94% $14,331
AMERICAN FINANCING CORPORATION 365 5.89% $13,042
First Option Mortgage, LLC 352 7.19% $15,598
VANDERBILT MORTGAGE AND FINANCE, INC. 309 5.92% $14,098
Equity Prime Mortgage LLC 297 6.81% $15,263
CANOPY MORTGAGE, LLC 287 6.11% $21,088
Mr. Cooper ( Nationstar Mortgage ) 223 6.52% $14,335
HOMESIDE FINANCIAL, LLC 217 6.45% $14,517
NEWREZ LLC 216 6.32% $12,926
Paramount Residential Mortgage Group, Inc. 211 6.41% $14,530
GUARANTEED RATE, INC. 209 6.37% $13,607
AMERICAN PACIFIC MORTGAGE CORPORATION 204 6.51% $15,236
ZILLOW HOME LOANS, LLC 194 6.24% $12,883
HOMEOWNERS FINANCIAL GROUP USA, LLC 189 6.28% $15,293
Prosperity Home Mortgage, LLC 184 6.05% $13,324
FIRST COMMUNITY MORTGAGE, INC. 184 6.42% $14,442
Presidential Bank, FSB 183 6.31% $16,210
FBC MORTGAGE, LLC 183 5.53% $11,560
Century Mortgage Company DBA Century Lending Company 180 6.41% $13,357
Carrington Mortgage Services, LLC 175 6.34% $14,094
MILEND, INC. 166 6.24% $17,649
Flagstar Bank, FSB 154 6.24% $12,046
US MORTGAGE CORPORATION 152 7.02% $14,278
INSPIRE HOME LOANS INC. 150 5.43% $11,679
EAGLE HOME MORTGAGE, LLC 149 4.72% $13,336
ACOPIA, LLC 148 6.35% $14,591
AMERICAN FINANCIAL NETWORK, INC. 142 6.84% $13,822
CARDINAL FINANCIAL 136 6.36% $13,918
United Community Bank 128 6.37% $11,261
First Heritage Mortgage, LLC 124 5.97% $19,046
PULTE MORTGAGE LLC 121 5.30% $9,308
VILLAGE CAPITAL MORTGAGE 117 6.44% $8,471
Lakeview Community Capital, LLC 113 6.20% $9,639
NFM, INC. 110 6.66% $13,065
MUTUAL OF OMAHA MORTGAGE, INC. 109 6.56% $16,431
PLANET HOME LENDING, LLC 108 6.12% $8,681
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 107 6.38% $13,192
AmeriHome Mortgage Company, LLC 100 6.50% $8,408
SWBC MORTGAGE CORPORATION 99 6.37% $7,568
LAKEVIEW LOAN SERVICING, LLC 99 6.32% $9,992
SECURITYNATIONAL MORTGAGE COMPANY 90 6.38% $14,767
Truist 86 5.98% $11,239
SUN WEST MORTGAGE COMPANY, INC. 82 6.04% $16,880
CALCON MUTUAL MORTGAGE LLC 81 6.74% $16,976
Magnolia Bank 81 6.24% $12,416
Renasant Bank 76 6.20% $13,165
GEO-CORP, INC. 75 7.29% $19,889
GUARANTEED RATE AFFINITY, LLC 75 6.56% $13,603
SOUTHPOINT FINANCIAL SERVICES, INC. 73 6.59% $10,200
Regions Bank 72 6.10% $12,638
PLAZA HOME MORTGAGE, INC. 71 6.63% $14,949
OCMBC, INC. 69 6.68% $20,180
AMERISAVE MORTGAGE CORPORATION 68 6.20% $16,368
CMG MORTGAGE, INC. 68 6.35% $16,457
PREMIER MORTGAGE RESOURCES, L.L.C. 67 6.65% $16,799
Capital City Home Loans, LLC 64 6.38% $13,595
STOCKTON MORTGAGE CORPORATION 63 6.55% $12,849
Synovus Bank 62 6.14% $12,043
LOANPAL, LLC 62 5.53% $13,484
ISERVE RESIDENTIAL LENDING, LLC 59 6.38% $22,944
UNION HOME MORTGAGE CORP. 58 6.63% $13,957
Plains Commerce Bank 57 6.16% $15,125
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 55 6.40% $13,011
Mortgage Assurance Inc. 55 6.25% $13,817
South State Bank 54 6.22% $12,412
SUMMIT FUNDING, INC. 54 6.22% $13,759
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 54 5.87% $16,894
ARK-LA-TEX FINANCIAL SERVICES, LLC. 54 6.42% $11,352
MORTGAGE INVESTORS GROUP, INC. 51 6.02% $12,064
JPMorgan Chase Bank 49 6.28% $8,120
NVR Mortgage Finance, Inc. 49 6.01% $13,346
NATIONS RELIABLE LENDING, LLC 49 6.84% $19,939
BAY EQUITY LLC 48 6.43% $14,489
DIRECT LENDERS, LLC 48 6.33% $8,196
PANORAMA MORTGAGE GROUP, LLC 48 6.86% $17,117
South Pacific Financial Corporation 47 5.20% $12,004
GENEVA FINANCIAL, LLC 45 6.62% $14,136
DAS Acquisition Company, LLC 45 6.54% $14,074
First Federal Bank 44 6.08% $13,288
Cornerstone First Mortgage, Inc 43 6.41% $14,595
MID AMERICA MORTGAGE, INC. 43 7.11% $10,686
RELIANCE FIRST CAPITAL, LLC 42 6.67% $14,024
PRIMELENDING, A PLAINSCAPITAL COMPANY 42 6.40% $13,540
Goldwater Bank, N.A. 41 6.65% $12,428
VAN DYK MORTGAGE CORPORATION 41 6.48% $9,048
TOWNE MORTGAGE COMPANY 39 6.53% $13,249
TJC Mortgage, Inc. 39 6.33% $14,850
Alcova Mortgage LLC 37 6.34% $10,118
AMERICAN FINANCIAL RESOURCES, INC. 37 6.53% $13,526
Mortgage Research Center, LLC 36 6.54% $7,877
FIRST CONTINENTAL MORTGAGE, LTD. 36 6.11% $9,228
The Loan Store, Inc. 34 6.27% $14,657
Wells Fargo Bank 32 6.18% $12,325
The Federal Savings Bank 32 6.48% $18,741
BancorpSouth 32 5.93% $11,775
SUCCESS MORTGAGE PARTNERS, INC. 31 6.37% $13,260
FIRST COLONY MORTGAGE CORPORATION 30 6.34% $12,349
Franklin Loan Corporation 30 6.12% $16,686
Residential Acceptance Corporation 30 7.33% $12,959
ENDEAVOR CAPITAL, LLC. 29 6.52% $10,178
JMAC LENDING, INC. 28 6.24% $12,793
EMM LOANS LLC 28 6.19% $14,009
NATIONS DIRECT MORTGAGE, LLC 28 6.52% $13,235
HOMEBRIDGE FINANCIAL SERVICES, INC. 27 6.05% $16,878
Loan Simple, Inc. 27 6.81% $14,751
MEMBER FIRST MORTGAGE, LLC 27 6.41% $8,586
MORTGAGE SOLUTIONS OF COLORADO, LLC 27 6.82% $17,616
BETTER MORTGAGE CORPORATION 27 6.12% $11,195
LIBERTY HOME MORTGAGE CORPORATION 26 6.77% $13,652
CITY FIRST MORTGAGE SERVICES, L.L.C. 26 6.62% $15,296
VICTORY MORTGAGE, L.L.C. 26 5.66% $9,976
INTELLILOAN, INC. 25 6.14% $6,150
Bank of England 25 6.36% $13,637
VERITAS FUNDING, LLC 24 6.20% $18,542
Hometown Equity Mortgage, LLC 23 6.59% $16,080
NATIONWIDE MORTGAGE BANKERS, INC. 23 6.74% $15,876
PHH Mortgage Corporation 22 6.37% $13,525
Northpointe Bank 22 5.98% $13,345
RADIUS FINANCIAL GROUP INC. 22 6.46% $13,119
PRIMARY RESIDENTIAL MORTGAGE, INC. 21 6.69% $14,798
PENTAGON FEDERAL CREDIT UNION 19 5.96% $13,071
Southern First Bank 18 6.28% $10,487
TOP FLITE FINANCIAL, INC. 18 6.71% $20,917
LAND HOME FINANCIAL SERVICES, INC. 18 7.13% $19,767
AMERITRUST MORTGAGE CORPORATION 18 7.30% $18,485
Ixonia Bank 17 6.76% $15,326
Nations Lending Corporation 17 6.43% $13,544
Home Mortgage Alliance Corp 16 6.91% $16,032
T2 FINANCIAL LLC 16 6.34% $16,050
ENVOY MORTGAGE, LTD 16 6.44% $14,150
CHURCHILL MORTGAGE CORPORATION 15 6.57% $15,773
SHELTER HOME MORTGAGE, LLC 15 6.44% $12,301
M&T Bank 15 6.35% $8,554
UNITED MORTGAGE CORP 14 6.67% $15,692
Bank of America 13 6.54% $9,423
OPEN MORTGAGE, LLC 13 7.18% $16,047
ALLIED MORTGAGE GROUP, INC. 13 6.33% $8,860
RUOFF MORTGAGE COMPANY, INC. 13 6.11% $8,229
American Mortgage & Equity Consultants, Inc. 13 6.32% $17,866
Sierra Pacific Mortgage Company, Inc. 13 6.01% $18,869
ROYAL UNITED MORTGAGE LLC 12 6.91% $11,494
Keystone Funding, Inc. 11 6.33% $14,364
GMFS LLC 11 6.41% $8,949
MICHIGAN MUTUAL, INC. 11 6.36% $13,905
PNC Bank 10 6.40% $11,064
NORWICH COMMERCIAL GROUP, INC. 10 6.66% $11,313
LEADERONE FINANCIAL CORPORATION 10 6.41% $14,636
Citizens Bank 9 6.39% $13,267
LOANLEADERS OF AMERICA, INC. 9 5.82% $15,800
Wolfe Financial, Inc 9 6.89% $12,620
EUSTIS AND AMERICAN MORTGAGE COMPANY 9 6.15% $15,629
NATION ONE MORTGAGE CORPORATION 9 6.38% $22,665
NBKC BANK 8 5.92% $10,866
Texana Bank 8 6.14% $15,720
U.S. Bank 8 6.33% $10,909
SANCTUARY HOME MORTGAGE LLC 8 6.34% $13,503
Assurance Financial Group, L.L.C. 8 6.98% $12,129
Barrington Bank & Trust Company, N.A. 8 6.31% $10,682
FirstBank 8 6.34% $10,249
COMMUNITY MORTGAGE CORPORATION 8 6.09% $12,386
EVANSVILLE TEACHERS 7 6.11% $11,896
FIRST ALLIANCE HOME MORTGAGE, LLC 7 5.38% $19,628
Princeton Mortgage Corporation 7 6.14% $13,955
EMBRACE HOME LOANS, INC. 7 6.57% $13,245
MORTGAGEONE, INC. 6 6.29% $13,169
First Horizon Bank 6 6.23% $14,525
Colony Bank 6 6.56% $12,424
Pinnacle Bank 6 5.92% $11,984
HOMESPIRE MORTGAGE CORPORATION 5 6.55% $9,355
Encompass Lending Group, LP 5 6.68% $11,484
GARDNER FINANCIAL SERVICES, LTD. 5 6.38% $13,378
GSF Mortgage Corporation 5 6.50% $14,027
Acre Mortgage and Financial Inc 5 6.23% $16,470
OCEANSIDE MORTGAGE COMPANY 5 6.25% $4,640
BAYSHORE MORTGAGE FUNDING, LLC 5 7.18% $14,731
Performance Financial, Inc. 5 6.53% $14,783
GUARANTY MORTGAGE SERVICES, L.L.C. 5 6.33% $19,161
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 5 6.35% $21,376
Gateway First Bank 5 6.55% $13,013
NJ LENDERS CORP. 5 5.83% $15,684
ALAMEDA MORTGAGE CORPORATION 5 6.80% $12,370
Waterstone Mortgage Corporation 5 6.08% $15,351
Residential Mortgage Solutions, Inc. 4 6.06% $17,432
RESIDENTIAL BANCORP 4 5.90% $16,136
NEXERA HOLDING LLC 4 6.09% $7,688
First-Citizens Bank & Trust Company 4 5.44% $9,133
AXIA FINANCIAL, LLC 4 6.88% $11,005
CityWorth Mortgage LLC 4 6.03% $18,575
DATA MORTGAGE, INC. 4 5.88% $10,640
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 6.50% $14,978
HOMESTEAD FUNDING CORP. 3 5.54% $8,939
Fifth Third Bank 3 6.21% $16,298
East Coast Capital Corp. 3 6.58% $15,882
CONTOUR MORTGAGE CORPORATION 3 6.83% $14,506
S1L, Inc. 3 7.00% $12,844
ServisFirst Bank 3 6.04% $9,867
Bank OZK 3 5.67% $11,260
TBI MORTGAGE COMPANY 3 6.29% $18,379
Towne Bank 3 6.46% $14,051
ABSOLUTE HOME MORTGAGE CORPORATION 3 7.33% $16,484
HOMEXPRESS MORTGAGE CORP. 2 6.63% $10,523
NexBank 2 6.75% $13,200
MORIA DEVELOPMENT, INC. 2 6.69% $15,109
TruHome Solutions, LLC 2 6.31% $13,940
Midwest Mortgage Associates Corporation 2 6.06% $12,789
LENOX FINANCIAL MORTGAGE CORPORATION 2 6.25% $10,731
SENTE MORTGAGE, INC. 2 6.19% $10,852
Bank Five Nine 2 6.63% $9,435
NEW WAVE LENDING GROUP INC 2 6.94% $14,276
AUGUSTA MORTGAGE CO. 2 6.19% $10,654
UNITED NORTHERN MORTGAGE BANKERS LIMITED 2 5.81% $15,243
AMERICAN FEDERAL MORTGAGE CORPORATION 2 6.44% $13,466
CLIFFCO, INC. 2 6.50% $26,028
DIRECT MORTGAGE LOANS, LLC 2 6.56% $11,847
JMJ FINANCIAL GROUP 2 6.00% $17,213
NMSI, INC. 2 6.25% $18,824
AFFORDABLE MORTGAGE ADVISORS, LLC. 2 6.25% $8,050
NP, Inc. 2 6.94% $12,328
RAPID MORTGAGE COMPANY 2 7.19% $17,195
Hancock Whitney Bank 2 6.31% $9,721
Sandy Spring Bank 2 6.38% $9,611
V.I.P. MORTGAGE, INC. 2 6.75% $9,573
THE MORTGAGE FIRM, INC. 2 7.13% $13,989
The Union Bank Company 2 5.88% $12,427
SeaTrust Mortgage Company 2 6.13% $19,557
Capital Bank 2 6.44% $9,733
Credence Funding Corporation 2 6.31% $9,728
PREMIA MORTGAGE, LLC 2 5.69% $7,366
SOUTHWEST FUNDING, LP 2 6.50% $9,345
Commerce Home Mortgage, Inc. 2 6.88% $13,037
First Reliance Bank 1 5.63% $11,448
The Huntington National Bank 1 6.38% $16,154
Arvest Bank 1 7.50% $10,542
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.63% $7,367
Armed Forces Bank 1 5.50% $21,390
FLAT BRANCH MORTGAGE, INC. 1 6.63% $10,277
TOTAL MORTGAGE SERVICES, LLC 1 6.25% $18,291
HomePromise Corporation 1 7.25% $8,460
1ST SIGNATURE LENDING, LLC 1 7.25% $9,706
American Security Mortgage Corp. 1 6.63% $9,075
Union Savings Bank 1 5.75% $10,893
United Bank 1 5.75% $10,825
American Mortgage Bank, LLC 1 7.00% $14,632
Legends Bank 1 6.50% $10,062
UNIVERSAL MORTGAGE & FINANCE, INC. 1 5.75% $30,606
FM Home Loans, LLC 1 5.63% $15,389
GREENSTATE CREDIT UNION 1 5.63% $12,724
INTERLINC MORTGAGE SERVICES, LLC 1 6.75% $11,966
Victorian Finance, LLC 1 6.13% $12,202
A&D Mortgage LLC 1 6.13% $22,437
VYSTAR 1 8.13% $2,917
Wallick & Volk, Inc. 1 6.25% $6,623
COMMUNITY MORTGAGE, LLC 1 5.50% $10,615
COMPASS MORTGAGE, INC. 1 6.00% $12,374
COMMUNITYAMERICA 1 6.13% $20,543
TIDEWATER MORTGAGE SERVICES, INC. 1 5.25% $13,196
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.38% $16,946
CRESCENT MORTGAGE COMPANY 1 6.25% $12,777
Notre Dame Federal Credit Union Corporation 1 6.75% $16,320
RANLIFE, INC. 1 6.25% $8,166
Citibank 1 5.75% $12,764
DELMAR FINANCIAL COMPANY 1 6.25% $9,791
CAROLINA ONE MORTGAGE, LLC 1 6.75% $17,747
Republic Bank & Trust Company 1 6.75% $10,396
RESOURCE FINANCIAL SERVICES, INC. 1 7.88% $16,756
NEW DAY FINANCIAL, LLC 1 7.50% $3,587
Watermark Capital, Inc. 1 5.50% $10,877
Network Funding, L.P. 1 6.13% $10,705
Security Federal Bank 1 6.50% $13,511
Bell Bank 1 5.75% $11,506
INTERCOASTAL MORTGAGE COMPANY 1 6.50% $10,972
NETWORK CAPITAL FUNDING CORPORATION 1 6.13% $20,040
MY MORTGAGE, INC. 1 6.75% $12,180
SIRVA MORTGAGE, INC. 1 7.25% $11,571
BECKAM FUNDING CORP. 1 6.50% $26,871
MSA MORTGAGE, LLC 1 5.75% $12,287
BAY-VALLEY MORTGAGE GROUP 1 6.25% $13,810
Evolve Bank & Trust 1 6.75% $10,148
FAIR WAY LENDING LLC 1 6.38% $15,248
Strong Home Mortgage, LLC 1 5.99% $7,229
Sunflower Bank 1 7.75% $8,394
MEGASTAR FINANCIAL CORP. 1 6.13% $17,772
MASON MCDUFFIE MORTGAGE CORPORATION 1 6.25% $20,653
Willamette Valley Bank 1 6.50% $16,724
First International Bank & Trust 1 5.88% $20,084

The top Atlanta FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 2,133 FHA loans originated. Their average total fees are $13,848, which is $1,379 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Atlanta FHA lenders (with over 10 loans originated) are INTELLILOAN, INC. ($6,150), SWBC MORTGAGE CORPORATION ($7,568), Mortgage Research Center, LLC ($7,877), JPMorgan Chase Bank ($8,120) and DIRECT LENDERS, LLC ($8,196).

The lowest rate Atlanta FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.72%), South Pacific Financial Corporation (5.20%), DHI MORTGAGE COMPANY, LTD. (5.26%), PULTE MORTGAGE LLC (5.30%) and INSPIRE HOME LOANS INC. (5.43%).

Atlanta FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARROW 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARTOW 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BUTTS 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CARROLL 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CHEROKEE 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CLAYTON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COBB 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COWETA 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DAWSON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DEKALB 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DOUGLAS 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FAYETTE 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FORSYTH 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FULTON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA GWINNETT 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HARALSON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HEARD 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HENRY 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA JASPER 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA LAMAR 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MERIWETHER 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MORGAN 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA NEWTON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PAULDING 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PICKENS 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PIKE 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA ROCKDALE 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA SPALDING 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA WALTON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARROW 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARTOW 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BUTTS 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CARROLL 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CHEROKEE 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CLAYTON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COBB 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COWETA 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DAWSON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DEKALB 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DOUGLAS 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FAYETTE 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FORSYTH 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FULTON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA GWINNETT 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HARALSON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HEARD 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HENRY 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA JASPER 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA LAMAR 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MERIWETHER 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MORGAN 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA NEWTON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PAULDING 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PICKENS 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PIKE 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA ROCKDALE 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA SPALDING 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA WALTON 2023 $592,250 $758,200 $916,450 $1,138,950

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).