Atlanta FHA Loan Rates, Closing Costs & Stats

ATLANTA-SANDY SPRINGS-ALPHARETTA, GA

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    • 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).