Georgia FHA Loan Rates, Closing Costs & Stats

Georgia

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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.

    Georgia FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Georgia averaged 6.25% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Georgia's average FHA mortgage closing costs are $8,906.

    The average rate for the prior week (2025-03-28) was 6.55% and one month ago for the week of 2025-02-28, the average rate was 6.24%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.14%.

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

    Georgia 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 Georgia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 3,761 6.27% $12,528
    UNITED WHOLESALE MORTGAGE, LLC 3,266 6.10% $14,389
    BROKER SOLUTIONS, INC. 1,382 6.53% $13,523
    DHI MORTGAGE COMPANY, LTD. 1,290 5.26% $9,271
    FREEDOM MORTGAGE CORPORATION 1,223 6.30% $13,182
    GUILD MORTGAGE COMPANY 1,191 6.30% $12,607
    LOANDEPOT.COM, LLC 908 6.03% $13,323
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 805 6.62% $12,160
    CROSSCOUNTRY MORTGAGE, LLC 776 6.48% $13,564
    MOVEMENT MORTGAGE, LLC 742 6.43% $13,799
    PENNYMAC LOAN SERVICES, LLC 727 6.06% $11,887
    Ameris Bank 651 6.23% $12,599
    EVERETT FINANCIAL, INC. 634 6.93% $15,267
    BANKSOUTH MORTGAGE COMPANY, LLC 625 6.07% $13,758
    VANDERBILT MORTGAGE AND FINANCE, INC. 530 5.97% $13,520
    CANOPY MORTGAGE, LLC 511 6.21% $17,976
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 509 6.41% $13,823
    Flagstar Bank, FSB 509 6.32% $10,715
    Equity Prime Mortgage LLC 469 6.81% $13,638
    First Option Mortgage, LLC 416 7.16% $15,258
    AMERICAN FINANCING CORPORATION 402 5.91% $12,918
    AMERICAN PACIFIC MORTGAGE CORPORATION 378 6.56% $14,026
    GUARANTEED RATE, INC. 365 6.43% $12,799
    Mr. Cooper ( Nationstar Mortgage ) 333 6.54% $13,871
    NEWREZ LLC 310 6.37% $12,058
    HOMESIDE FINANCIAL, LLC 303 6.45% $13,869
    Paramount Residential Mortgage Group, Inc. 294 6.46% $13,854
    HOMEOWNERS FINANCIAL GROUP USA, LLC 292 6.30% $14,819
    FBC MORTGAGE, LLC 281 5.50% $11,003
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 280 6.40% $11,099
    Carrington Mortgage Services, LLC 277 6.31% $13,565
    PLANET HOME LENDING, LLC 270 6.43% $10,561
    INSPIRE HOME LOANS INC. 267 5.50% $10,459
    Century Mortgage Company DBA Century Lending Company 258 6.40% $12,680
    ZILLOW HOME LOANS, LLC 247 6.28% $12,490
    Presidential Bank, FSB 238 6.31% $15,319
    FIRST COMMUNITY MORTGAGE, INC. 237 6.46% $13,615
    Renasant Bank 236 6.28% $10,564
    Prosperity Home Mortgage, LLC 233 6.06% $13,099
    MILEND, INC. 231 6.27% $16,582
    CARDINAL FINANCIAL 229 6.38% $13,070
    AMERICAN FINANCIAL NETWORK, INC. 227 6.80% $13,172
    ACOPIA, LLC 215 6.36% $13,738
    Synovus Bank 212 6.11% $10,194
    CMG MORTGAGE, INC. 201 6.50% $12,718
    TOWNE MORTGAGE COMPANY 188 6.53% $10,630
    Colony Bank 185 6.39% $9,639
    MUTUAL OF OMAHA MORTGAGE, INC. 180 6.60% $15,018
    United Community Bank 177 6.42% $10,700
    EAGLE HOME MORTGAGE, LLC 175 4.85% $13,420
    US MORTGAGE CORPORATION 174 6.99% $14,326
    VILLAGE CAPITAL MORTGAGE 173 6.47% $7,911
    UNION HOME MORTGAGE CORP. 169 6.67% $12,327
    LAKEVIEW LOAN SERVICING, LLC 165 6.37% $9,697
    SUMMIT FUNDING, INC. 159 6.63% $12,536
    STOCKTON MORTGAGE CORPORATION 154 6.55% $11,562
    First Heritage Mortgage, LLC 150 5.99% $17,754
    PREMIER MORTGAGE RESOURCES, L.L.C. 149 6.66% $13,909
    AmeriHome Mortgage Company, LLC 144 6.52% $8,052
    SWBC MORTGAGE CORPORATION 144 6.38% $7,318
    NFM, INC. 142 6.67% $12,977
    Truist 141 6.05% $10,246
    PULTE MORTGAGE LLC 139 5.23% $9,261
    Magnolia Bank 138 6.22% $11,788
    Regions Bank 138 6.16% $11,408
    AMERISAVE MORTGAGE CORPORATION 137 6.30% $14,200
    SOUTHPOINT FINANCIAL SERVICES, INC. 131 6.62% $9,467
    Capital City Home Loans, LLC 127 6.49% $12,203
    Lakeview Community Capital, LLC 126 6.25% $9,597
    Plains Commerce Bank 117 6.35% $14,351
    SUN WEST MORTGAGE COMPANY, INC. 115 6.10% $15,976
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 114 6.37% $10,472
    South State Bank 112 6.19% $11,369
    MORTGAGE INVESTORS GROUP, INC. 111 6.16% $10,903
    PLAZA HOME MORTGAGE, INC. 107 6.64% $13,865
    Mortgage Research Center, LLC 107 6.65% $7,346
    PRIMELENDING, A PLAINSCAPITAL COMPANY 107 6.40% $12,319
    NVR Mortgage Finance, Inc. 100 6.05% $12,372
    SECURITYNATIONAL MORTGAGE COMPANY 99 6.36% $14,619
    EMM LOANS LLC 99 6.37% $11,396
    CALCON MUTUAL MORTGAGE LLC 94 6.75% $16,458
    LOANPAL, LLC 92 5.60% $12,616
    FirstBank 89 6.32% $10,330
    GUARANTEED RATE AFFINITY, LLC 89 6.53% $13,653
    ISERVE RESIDENTIAL LENDING, LLC 88 6.44% $21,521
    VAN DYK MORTGAGE CORPORATION 84 6.56% $7,932
    OCMBC, INC. 80 6.70% $18,900
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 78 5.97% $16,103
    GEO-CORP, INC. 78 7.30% $19,888
    AMERICAN FINANCIAL RESOURCES, INC. 75 6.55% $12,677
    BancorpSouth 74 6.10% $10,337
    FIRST COLONY MORTGAGE CORPORATION 72 6.40% $10,896
    VICTORY MORTGAGE, L.L.C. 72 5.69% $10,305
    GENEVA FINANCIAL, LLC 71 6.63% $13,113
    TJC Mortgage, Inc. 69 6.24% $13,282
    Cornerstone First Mortgage, Inc 67 6.39% $14,269
    DAS Acquisition Company, LLC 66 6.65% $13,149
    Alcova Mortgage LLC 66 6.37% $9,080
    FIRST CONTINENTAL MORTGAGE, LTD. 65 6.22% $8,375
    JPMorgan Chase Bank 65 6.37% $8,151
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 63 6.38% $12,788
    PANORAMA MORTGAGE GROUP, LLC 62 6.86% $16,431
    Mortgage Assurance Inc. 62 6.22% $13,703
    MID AMERICA MORTGAGE, INC. 61 7.11% $10,085
    RELIANCE FIRST CAPITAL, LLC 60 6.70% $13,443
    BAY EQUITY LLC 59 6.39% $14,221
    ENDEAVOR CAPITAL, LLC. 58 6.45% $10,111
    LEADERONE FINANCIAL CORPORATION 57 6.56% $12,491
    First Federal Bank 57 6.08% $11,920
    DIRECT LENDERS, LLC 54 6.34% $7,901
    Northpointe Bank 54 6.25% $10,804
    NATIONS RELIABLE LENDING, LLC 53 6.85% $19,135
    Wells Fargo Bank 53 6.25% $11,460
    SUCCESS MORTGAGE PARTNERS, INC. 51 6.36% $13,129
    Loan Simple, Inc. 50 6.85% $14,070
    South Pacific Financial Corporation 50 5.16% $11,996
    The Federal Savings Bank 48 6.49% $16,905
    NATIONS DIRECT MORTGAGE, LLC 46 6.56% $12,313
    MEMBER FIRST MORTGAGE, LLC 46 6.39% $8,675
    The Loan Store, Inc. 46 6.24% $13,689
    MORTGAGE SOLUTIONS OF COLORADO, LLC 45 6.87% $15,006
    Goldwater Bank, N.A. 44 6.63% $12,538
    LIBERTY HOME MORTGAGE CORPORATION 44 6.84% $12,193
    CITY FIRST MORTGAGE SERVICES, L.L.C. 41 6.76% $13,929
    Franklin Loan Corporation 40 6.06% $16,780
    JMAC LENDING, INC. 38 6.34% $12,113
    Residential Acceptance Corporation 37 7.43% $12,249
    VERITAS FUNDING, LLC 37 6.35% $17,913
    HOMEBRIDGE FINANCIAL SERVICES, INC. 36 6.01% $15,985
    GMFS LLC 33 6.35% $7,211
    Nations Lending Corporation 33 6.63% $12,101
    BETTER MORTGAGE CORPORATION 33 6.10% $11,111
    PHH Mortgage Corporation 33 6.33% $12,933
    ALAMEDA MORTGAGE CORPORATION 31 6.65% $10,150
    Bank of England 31 6.33% $13,055
    RADIUS FINANCIAL GROUP INC. 30 6.44% $12,792
    INTELLILOAN, INC. 30 6.14% $6,035
    NATIONWIDE MORTGAGE BANKERS, INC. 29 6.82% $15,299
    Queensborough National Bank & Trust Company 29 6.24% $10,780
    RUOFF MORTGAGE COMPANY, INC. 29 6.24% $7,893
    NORWICH COMMERCIAL GROUP, INC. 29 6.61% $8,164
    Hometown Equity Mortgage, LLC 28 6.56% $14,956
    ROYAL UNITED MORTGAGE LLC 28 6.80% $10,509
    M&T Bank 27 6.29% $8,897
    TOP FLITE FINANCIAL, INC. 27 6.77% $18,584
    PRIMARY RESIDENTIAL MORTGAGE, INC. 27 6.78% $13,781
    SENTE MORTGAGE, INC. 26 6.66% $12,062
    Bank of America 26 6.44% $8,463
    PENTAGON FEDERAL CREDIT UNION 26 5.98% $12,821
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 25 6.69% $11,228
    Home Mortgage Alliance Corp 24 7.00% $14,714
    AUGUSTA MORTGAGE CO. 23 6.04% $10,968
    CHURCHILL MORTGAGE CORPORATION 23 6.53% $13,530
    T2 FINANCIAL LLC 23 6.33% $15,555
    Keystone Funding, Inc. 23 6.27% $13,815
    Ixonia Bank 22 6.69% $14,484
    NBKC BANK 22 6.15% $9,679
    OPEN MORTGAGE, LLC 21 7.26% $13,729
    U.S. Bank 21 6.46% $9,599
    AMERITRUST MORTGAGE CORPORATION 21 7.33% $17,065
    Southern First Bank 20 6.29% $10,211
    FIRST CHOICE MORTGAGE, INC. 20 6.58% $8,729
    Sierra Pacific Mortgage Company, Inc. 20 6.16% $15,967
    American Mortgage & Equity Consultants, Inc. 19 6.43% $17,250
    NJ LENDERS CORP. 19 6.01% $13,633
    MICHIGAN MUTUAL, INC. 18 6.34% $13,134
    LAND HOME FINANCIAL SERVICES, INC. 18 7.13% $19,767
    UNITED MORTGAGE CORP 17 6.71% $14,873
    ENVOY MORTGAGE, LTD 17 6.38% $13,917
    SHELTER HOME MORTGAGE, LLC 17 6.43% $12,350
    Barrington Bank & Trust Company, N.A. 16 6.56% $9,298
    ALLIED MORTGAGE GROUP, INC. 16 6.39% $8,733
    COMMUNITY MORTGAGE CORPORATION 15 6.16% $11,415
    PNC Bank 14 6.34% $11,093
    NATION ONE MORTGAGE CORPORATION 14 6.30% $20,052
    HOMESPIRE MORTGAGE CORPORATION 13 6.50% $9,820
    EUSTIS AND AMERICAN MORTGAGE COMPANY 13 6.32% $14,500
    Citizens Bank 12 6.44% $11,819
    Wolfe Financial, Inc 12 6.83% $12,940
    Assurance Financial Group, L.L.C. 12 6.96% $11,087
    FIRST ALLIANCE HOME MORTGAGE, LLC 12 5.41% $18,212
    LOANLEADERS OF AMERICA, INC. 11 5.93% $15,815
    First-Citizens Bank & Trust Company 11 5.42% $8,471
    ABSOLUTE HOME MORTGAGE CORPORATION 10 6.79% $14,036
    PREMIA MORTGAGE, LLC 10 6.06% $6,340
    Blue Ridge Bank 10 6.56% $8,981
    Acre Mortgage and Financial Inc 10 6.42% $14,296
    Waterstone Mortgage Corporation 9 6.33% $16,502
    EMBRACE HOME LOANS, INC. 9 6.54% $12,677
    Texana Bank 9 6.10% $15,704
    THE MORTGAGE FIRM, INC. 9 6.83% $11,812
    TruHome Solutions, LLC 9 6.43% $9,664
    CityWorth Mortgage LLC 9 6.14% $15,876
    NEW DAY FINANCIAL, LLC 9 7.54% $4,925
    BAYSHORE MORTGAGE FUNDING, LLC 9 7.03% $14,056
    Gateway First Bank 8 6.63% $11,274
    GARDNER FINANCIAL SERVICES, LTD. 8 6.33% $14,269
    SANCTUARY HOME MORTGAGE LLC 8 6.34% $13,503
    OCEANSIDE MORTGAGE COMPANY 8 6.34% $4,183
    Pinnacle Bank 8 5.75% $11,134
    Princeton Mortgage Corporation 8 6.16% $13,785
    EVANSVILLE TEACHERS 8 6.06% $11,183
    Fifth Third Bank 7 6.50% $10,596
    First Horizon Bank 7 6.21% $13,904
    Encompass Lending Group, LP 7 6.75% $12,715
    Security Federal Bank 7 5.98% $11,631
    SRP Federal Credit Union 7 5.79% $12,358
    INTERLINC MORTGAGE SERVICES, LLC 7 6.71% $7,731
    ServisFirst Bank 7 6.16% $9,949
    MORTGAGEONE, INC. 7 6.20% $13,658
    East Coast Capital Corp. 6 6.63% $14,823
    AXIA FINANCIAL, LLC 6 7.06% $11,120
    Capital Bank 6 6.23% $10,165
    CAROLINA ONE MORTGAGE, LLC 6 6.75% $11,076
    GSF Mortgage Corporation 6 6.63% $13,785
    GUARANTY MORTGAGE SERVICES, L.L.C. 6 6.23% $18,607
    INTERCOASTAL MORTGAGE COMPANY 6 6.42% $9,925
    JET HOMELOANS, LLC 6 5.51% $12,142
    SeaTrust Mortgage Company 6 6.69% $13,760
    HOMESTEAD FUNDING CORP. 5 5.88% $8,566
    CONTOUR MORTGAGE CORPORATION 5 6.60% $13,376
    MY MORTGAGE, INC. 5 6.50% $12,633
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 5 6.35% $21,376
    Performance Financial, Inc. 5 6.53% $14,783
    RESIDENTIAL BANCORP 5 5.85% $14,609
    Residential Mortgage Solutions, Inc. 5 6.15% $16,272
    NEXERA HOLDING LLC 5 6.13% $8,035
    MEGASTAR FINANCIAL CORP. 4 6.31% $9,966
    Evolve Bank & Trust 4 7.06% $10,235
    NMSI, INC. 4 6.28% $14,382
    DATA MORTGAGE, INC. 4 5.88% $10,640
    Armed Forces Bank 4 6.09% $15,355
    1ST SIGNATURE LENDING, LLC 4 6.63% $12,851
    Bank OZK 4 5.75% $9,851
    The Central Trust Bank 4 6.34% $9,448
    SOUTHWEST STAGE FUNDING, LLC 4 6.63% $8,572
    SOUTHWEST FUNDING, LP 4 7.00% $9,720
    DELMAR FINANCIAL COMPANY 3 6.50% $9,132
    RAPID MORTGAGE COMPANY 3 7.04% $17,612
    TBI MORTGAGE COMPANY 3 6.29% $18,379
    HOMEXPRESS MORTGAGE CORP. 3 6.83% $12,657
    Towne Bank 3 6.46% $14,051
    ROSS MORTGAGE CORPORATION 3 6.67% $11,333
    Trustmark National Bank 3 6.29% $16,363
    Hancock Whitney Bank 3 6.42% $9,224
    S1L, Inc. 3 7.00% $12,844
    United Bank 3 6.33% $8,008
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 3 6.25% $15,597
    University Bank 3 6.50% $9,562
    MORTGAGE FINANCIAL GROUP, INC. 3 6.25% $16,233
    MORIA DEVELOPMENT, INC. 3 6.67% $15,284
    NexBank 3 6.46% $14,617
    Willamette Valley Bank 3 6.79% $13,653
    AFFORDABLE MORTGAGE ADVISORS, LLC. 3 6.38% $8,495
    LENOX FINANCIAL MORTGAGE CORPORATION 3 5.92% $9,864
    First Community Bank 3 6.50% $10,497
    DIRECT MORTGAGE LOANS, LLC 3 6.38% $13,147
    Arvest Bank 2 7.19% $8,435
    The Huntington National Bank 2 7.06% $11,868
    CLIFFCO, INC. 2 6.50% $26,028
    American Security Mortgage Corp. 2 6.19% $11,000
    V.I.P. MORTGAGE, INC. 2 6.75% $9,573
    CORNERSTONE HOME LENDING, INC. 2 6.56% $12,148
    Midwest Mortgage Associates Corporation 2 6.06% $12,789
    Commerce Home Mortgage, Inc. 2 6.88% $13,037
    North American Savings Bank, F.S.B. 2 6.44% $7,283
    AMERICAN FEDERAL MORTGAGE CORPORATION 2 6.44% $13,466
    The Union Bank Company 2 5.88% $12,427
    Credence Funding Corporation 2 6.31% $9,728
    JMJ FINANCIAL GROUP 2 6.00% $17,213
    NP, Inc. 2 6.94% $12,328
    SIRVA MORTGAGE, INC. 2 6.88% $7,824
    SmartBank 2 6.25% $10,592
    NEW WAVE LENDING GROUP INC 2 6.94% $14,276
    Old National Bank 2 5.63% $12,236
    POLARIS HOME FUNDING CORP. 2 6.94% $15,244
    Bell Bank 2 5.94% $11,358
    Legends Bank 2 6.13% $8,617
    BECKAM FUNDING CORP. 2 7.00% $17,057
    Sandy Spring Bank 2 6.38% $9,611
    NETWORK CAPITAL FUNDING CORPORATION 2 6.19% $14,618
    FAIR WAY LENDING LLC 2 6.31% $12,409
    Citibank 2 6.00% $12,041
    Bank Five Nine 2 6.63% $9,435
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 7.63% $6,718
    Oakstar Bank 1 6.99% $9,040
    Notre Dame Federal Credit Union Corporation 1 6.75% $16,320
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.38% $16,946
    Network Funding, L.P. 1 6.13% $10,705
    MSA MORTGAGE, LLC 1 5.75% $12,287
    PLUS RELOCATION MORTGAGE, LLC 1 7.25% $11,931
    Mortgage Lenders Investment Trading Corporation 1 6.75% $19,620
    MLD MORTGAGE INC. 1 5.50% $8,192
    Meridian Bank Corporation 1 6.75% $9,527
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.25% $20,653
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 1 6.63% $23,895
    RANLIFE, INC. 1 6.25% $8,166
    Republic Bank & Trust Company 1 6.75% $10,396
    HOME SOLUTION LENDERS INC. 1 6.75% $9,183
    RESOURCE FINANCIAL SERVICES, INC. 1 7.88% $16,756
    HomePromise Corporation 1 7.25% $8,460
    GREENSTATE CREDIT UNION 1 5.63% $12,724
    A&D Mortgage LLC 1 6.13% $22,437
    GERSHMAN INVESTMENT CORP. 1 6.63% $12,784
    FM Home Loans, LLC 1 5.63% $15,389
    Florida Capital Bank 1 5.75% $8,023
    FLAT BRANCH MORTGAGE, INC. 1 6.63% $10,277
    First Reliance Bank 1 5.63% $11,448
    Simmons Bank 1 6.50% $10,964
    First Merchants Bank 1 6.38% $7,378
    First International Bank & Trust 1 5.88% $20,084
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 6.50% $12,067
    Strong Home Mortgage, LLC 1 5.99% $7,229
    Sunflower Bank 1 7.75% $8,394
    CRESCENT MORTGAGE COMPANY 1 6.25% $12,777
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.63% $7,367
    COUNTRYPLACE MORTGAGE, LTD. 1 5.63% $17,960
    Core Bank 1 6.25% $10,248
    THE MORTGAGE LINK, INC. 1 6.25% $13,520
    TIDEWATER MORTGAGE SERVICES, INC. 1 5.25% $13,196
    COMPASS MORTGAGE, INC. 1 6.00% $12,374
    COMMUNITY MORTGAGE, LLC 1 5.50% $10,615
    TOTAL MORTGAGE SERVICES, LLC 1 6.25% $18,291
    COMMUNITYAMERICA 1 6.13% $20,543
    Tyndall Federal Credit Union 1 6.00% $8,935
    Union Savings Bank 1 5.75% $10,893
    United Bank 1 5.75% $10,825
    BMO Harris Bank 1 6.00% $19,286
    UNIVERSAL MORTGAGE & FINANCE, INC. 1 5.75% $30,606
    BAY-VALLEY MORTGAGE GROUP 1 6.25% $13,810
    Atlantic Coast Mortgage, LLC 1 6.25% $9,156
    Victorian Finance, LLC 1 6.13% $12,202
    VYSTAR 1 8.13% $2,917
    Wallick & Volk, Inc. 1 6.25% $6,623
    Watermark Capital, Inc. 1 5.50% $10,877
    American Mortgage Bank, LLC 1 7.00% $14,632
    WesBanco 1 6.00% $10,300

    The top Georgia FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 3,761 FHA loans originated. Their average total fees are $12,528, which is $1,861 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Georgia FHA lenders (with over 10 loans originated) are INTELLILOAN, INC. ($6,035), PREMIA MORTGAGE, LLC ($6,340), GMFS LLC ($7,211), SWBC MORTGAGE CORPORATION ($7,318) and Mortgage Research Center, LLC ($7,346).

    The lowest rate Georgia FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.85%), South Pacific Financial Corporation (5.16%), PULTE MORTGAGE LLC (5.23%), DHI MORTGAGE COMPANY, LTD. (5.26%) and FIRST ALLIANCE HOME MORTGAGE, LLC (5.41%).

    Georgia FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    NON-METRO APPLING 2022 $420,680 $538,650 $651,050 $809,150
    DOUGLAS, GA ATKINSON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BACON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BAKER 2022 $420,680 $538,650 $651,050 $809,150
    MILLEDGEVILLE, GA BALDWIN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BANKS 2022 $420,680 $538,650 $651,050 $809,150
    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
    FITZGERALD, GA BEN HILL 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BERRIEN 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA BIBB 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BLECKLEY 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA BRANTLEY 2022 $420,680 $538,650 $651,050 $809,150
    VALDOSTA, GA BROOKS 2022 $420,680 $538,650 $651,050 $809,150
    SAVANNAH, GA BRYAN 2022 $420,680 $538,650 $651,050 $809,150
    STATESBORO, GA BULLOCH 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC BURKE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BUTTS 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO CALHOUN 2022 $420,680 $538,650 $651,050 $809,150
    ST. MARYS, GA CAMDEN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CANDLER 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CARROLL 2022 $471,500 $603,600 $729,600 $906,750
    CHATTANOOGA, TN-GA CATOOSA 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CHARLTON 2022 $420,680 $538,650 $651,050 $809,150
    SAVANNAH, GA CHATHAM 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBUS, GA-AL CHATTAHOOCHEE 2022 $420,680 $538,650 $651,050 $809,150
    SUMMERVILLE, GA CHATTOOGA 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CHEROKEE 2022 $471,500 $603,600 $729,600 $906,750
    ATHENS-CLARKE COUNTY, GA CLARKE 2022 $457,700 $585,950 $708,250 $880,200
    NON-METRO CLAY 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CLAYTON 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO CLINCH 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COBB 2022 $471,500 $603,600 $729,600 $906,750
    DOUGLAS, GA COFFEE 2022 $420,680 $538,650 $651,050 $809,150
    MOULTRIE, GA COLQUITT 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC COLUMBIA 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO COOK 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COWETA 2022 $471,500 $603,600 $729,600 $906,750
    MACON-BIBB COUNTY, GA CRAWFORD 2022 $420,680 $538,650 $651,050 $809,150
    CORDELE, GA CRISP 2022 $420,680 $538,650 $651,050 $809,150
    CHATTANOOGA, TN-GA DADE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DAWSON 2022 $471,500 $603,600 $729,600 $906,750
    BAINBRIDGE, GA DECATUR 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DEKALB 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO DODGE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO DOOLY 2022 $420,680 $538,650 $651,050 $809,150
    ALBANY, GA DOUGHERTY 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DOUGLAS 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO EARLY 2022 $420,680 $538,650 $651,050 $809,150
    VALDOSTA, GA ECHOLS 2022 $420,680 $538,650 $651,050 $809,150
    SAVANNAH, GA EFFINGHAM 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO ELBERT 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO EMANUEL 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO EVANS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO FANNIN 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FAYETTE 2022 $471,500 $603,600 $729,600 $906,750
    ROME, GA FLOYD 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FORSYTH 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO FRANKLIN 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FULTON 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO GILMER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO GLASCOCK 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA GLYNN 2022 $420,680 $538,650 $651,050 $809,150
    CALHOUN, GA GORDON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO GRADY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO GREENE 2014 $515,200 $659,550 $797,250 $990,800
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA GWINNETT 2022 $471,500 $603,600 $729,600 $906,750
    CORNELIA, GA HABERSHAM 2022 $420,680 $538,650 $651,050 $809,150
    GAINESVILLE, GA HALL 2022 $420,680 $538,650 $651,050 $809,150
    MILLEDGEVILLE, GA HANCOCK 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HARALSON 2022 $471,500 $603,600 $729,600 $906,750
    COLUMBUS, GA-AL HARRIS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO HART 2022 $420,680 $538,650 $651,050 $809,150
    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
    WARNER ROBINS, GA HOUSTON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO IRWIN 2022 $420,680 $538,650 $651,050 $809,150
    JEFFERSON, GA JACKSON 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA JASPER 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO JEFF DAVIS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO JEFFERSON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO JENKINS 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA JOHNSON 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA JONES 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA LAMAR 2022 $471,500 $603,600 $729,600 $906,750
    VALDOSTA, GA LANIER 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA LAURENS 2022 $420,680 $538,650 $651,050 $809,150
    ALBANY, GA LEE 2022 $420,680 $538,650 $651,050 $809,150
    HINESVILLE, GA LIBERTY 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC LINCOLN 2022 $420,680 $538,650 $651,050 $809,150
    HINESVILLE, GA LONG 2022 $420,680 $538,650 $651,050 $809,150
    VALDOSTA, GA LOWNDES 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO LUMPKIN 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC MCDUFFIE 2022 $420,680 $538,650 $651,050 $809,150
    BRUNSWICK, GA MCINTOSH 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO MACON 2022 $420,680 $538,650 $651,050 $809,150
    ATHENS-CLARKE COUNTY, GA MADISON 2022 $457,700 $585,950 $708,250 $880,200
    COLUMBUS, GA-AL MARION 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MERIWETHER 2022 $471,500 $603,600 $729,600 $906,750
    NON-METRO MILLER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO MITCHELL 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA MONROE 2022 $420,680 $538,650 $651,050 $809,150
    VIDALIA, GA MONTGOMERY 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MORGAN 2022 $471,500 $603,600 $729,600 $906,750
    DALTON, GA MURRAY 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBUS, GA-AL MUSCOGEE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA NEWTON 2022 $471,500 $603,600 $729,600 $906,750
    ATHENS-CLARKE COUNTY, GA OCONEE 2022 $457,700 $585,950 $708,250 $880,200
    ATHENS-CLARKE COUNTY, GA OGLETHORPE 2022 $457,700 $585,950 $708,250 $880,200
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PAULDING 2022 $471,500 $603,600 $729,600 $906,750
    WARNER ROBINS, GA PEACH 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PICKENS 2022 $471,500 $603,600 $729,600 $906,750
    WAYCROSS, GA PIERCE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PIKE 2022 $471,500 $603,600 $729,600 $906,750
    CEDARTOWN, GA POLK 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO PULASKI 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO PUTNAM 2022 $420,680 $538,650 $651,050 $809,150
    EUFAULA, AL-GA QUITMAN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO RABUN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO RANDOLPH 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC RICHMOND 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA ROCKDALE 2022 $471,500 $603,600 $729,600 $906,750
    AMERICUS, GA SCHLEY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO SCREVEN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO SEMINOLE 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA SPALDING 2022 $471,500 $603,600 $729,600 $906,750
    TOCCOA, GA STEPHENS 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBUS, GA-AL STEWART 2022 $420,680 $538,650 $651,050 $809,150
    AMERICUS, GA SUMTER 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBUS, GA-AL TALBOT 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TALIAFERRO 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TATTNALL 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TAYLOR 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TELFAIR 2022 $420,680 $538,650 $651,050 $809,150
    ALBANY, GA TERRELL 2022 $420,680 $538,650 $651,050 $809,150
    THOMASVILLE, GA THOMAS 2022 $420,680 $538,650 $651,050 $809,150
    TIFTON, GA TIFT 2022 $420,680 $538,650 $651,050 $809,150
    VIDALIA, GA TOOMBS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TOWNS 2022 $420,680 $538,650 $651,050 $809,150
    DUBLIN, GA TREUTLEN 2022 $420,680 $538,650 $651,050 $809,150
    LAGRANGE, GA-AL TROUP 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO TURNER 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA TWIGGS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO UNION 2022 $420,680 $538,650 $651,050 $809,150
    THOMASTON, GA UPSON 2022 $420,680 $538,650 $651,050 $809,150
    CHATTANOOGA, TN-GA WALKER 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA WALTON 2022 $471,500 $603,600 $729,600 $906,750
    WAYCROSS, GA WARE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WARREN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WASHINGTON 2022 $420,680 $538,650 $651,050 $809,150
    JESUP, GA WAYNE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WEBSTER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WHEELER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WHITE 2022 $420,680 $538,650 $651,050 $809,150
    DALTON, GA WHITFIELD 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WILCOX 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WILKES 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WILKINSON 2022 $420,680 $538,650 $651,050 $809,150
    ALBANY, GA WORTH 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO APPLING 2023 $472,030 $604,400 $730,525 $907,900
    DOUGLAS, GA ATKINSON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BACON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BAKER 2023 $472,030 $604,400 $730,525 $907,900
    MILLEDGEVILLE, GA BALDWIN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BANKS 2023 $472,030 $604,400 $730,525 $907,900
    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
    FITZGERALD, GA BEN HILL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BERRIEN 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA BIBB 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BLECKLEY 2023 $472,030 $604,400 $730,525 $907,900
    BRUNSWICK, GA BRANTLEY 2023 $472,030 $604,400 $730,525 $907,900
    VALDOSTA, GA BROOKS 2023 $472,030 $604,400 $730,525 $907,900
    SAVANNAH, GA BRYAN 2023 $472,030 $604,400 $730,525 $907,900
    STATESBORO, GA BULLOCH 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC BURKE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BUTTS 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO CALHOUN 2023 $472,030 $604,400 $730,525 $907,900
    ST. MARYS, GA CAMDEN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CANDLER 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CARROLL 2023 $592,250 $758,200 $916,450 $1,138,950
    CHATTANOOGA, TN-GA CATOOSA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CHARLTON 2023 $472,030 $604,400 $730,525 $907,900
    SAVANNAH, GA CHATHAM 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBUS, GA-AL CHATTAHOOCHEE 2023 $472,030 $604,400 $730,525 $907,900
    SUMMERVILLE, GA CHATTOOGA 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CHEROKEE 2023 $592,250 $758,200 $916,450 $1,138,950
    ATHENS-CLARKE COUNTY, GA CLARKE 2023 $516,350 $661,000 $799,000 $993,000
    NON-METRO CLAY 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CLAYTON 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO CLINCH 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COBB 2023 $592,250 $758,200 $916,450 $1,138,950
    DOUGLAS, GA COFFEE 2023 $472,030 $604,400 $730,525 $907,900
    MOULTRIE, GA COLQUITT 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC COLUMBIA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO COOK 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COWETA 2023 $592,250 $758,200 $916,450 $1,138,950
    MACON-BIBB COUNTY, GA CRAWFORD 2023 $472,030 $604,400 $730,525 $907,900
    CORDELE, GA CRISP 2023 $472,030 $604,400 $730,525 $907,900
    CHATTANOOGA, TN-GA DADE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DAWSON 2023 $592,250 $758,200 $916,450 $1,138,950
    BAINBRIDGE, GA DECATUR 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DEKALB 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO DODGE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO DOOLY 2023 $472,030 $604,400 $730,525 $907,900
    ALBANY, GA DOUGHERTY 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DOUGLAS 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO EARLY 2023 $472,030 $604,400 $730,525 $907,900
    VALDOSTA, GA ECHOLS 2023 $472,030 $604,400 $730,525 $907,900
    SAVANNAH, GA EFFINGHAM 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO ELBERT 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO EMANUEL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO EVANS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO FANNIN 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FAYETTE 2023 $592,250 $758,200 $916,450 $1,138,950
    ROME, GA FLOYD 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FORSYTH 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO FRANKLIN 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FULTON 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO GILMER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GLASCOCK 2023 $472,030 $604,400 $730,525 $907,900
    BRUNSWICK, GA GLYNN 2023 $472,030 $604,400 $730,525 $907,900
    CALHOUN, GA GORDON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GRADY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GREENE 2023 $515,200 $659,550 $797,250 $990,800
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA GWINNETT 2023 $592,250 $758,200 $916,450 $1,138,950
    CORNELIA, GA HABERSHAM 2023 $472,030 $604,400 $730,525 $907,900
    GAINESVILLE, GA HALL 2023 $472,030 $604,400 $730,525 $907,900
    MILLEDGEVILLE, GA HANCOCK 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HARALSON 2023 $592,250 $758,200 $916,450 $1,138,950
    COLUMBUS, GA-AL HARRIS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HART 2023 $472,030 $604,400 $730,525 $907,900
    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
    WARNER ROBINS, GA HOUSTON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO IRWIN 2023 $472,030 $604,400 $730,525 $907,900
    JEFFERSON, GA JACKSON 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA JASPER 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO JEFF DAVIS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JEFFERSON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JENKINS 2023 $472,030 $604,400 $730,525 $907,900
    DUBLIN, GA JOHNSON 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA JONES 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA LAMAR 2023 $592,250 $758,200 $916,450 $1,138,950
    VALDOSTA, GA LANIER 2023 $472,030 $604,400 $730,525 $907,900
    DUBLIN, GA LAURENS 2023 $472,030 $604,400 $730,525 $907,900
    ALBANY, GA LEE 2023 $472,030 $604,400 $730,525 $907,900
    HINESVILLE, GA LIBERTY 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC LINCOLN 2023 $472,030 $604,400 $730,525 $907,900
    HINESVILLE, GA LONG 2023 $472,030 $604,400 $730,525 $907,900
    VALDOSTA, GA LOWNDES 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LUMPKIN 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC MCDUFFIE 2023 $472,030 $604,400 $730,525 $907,900
    BRUNSWICK, GA MCINTOSH 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MACON 2023 $472,030 $604,400 $730,525 $907,900
    ATHENS-CLARKE COUNTY, GA MADISON 2023 $516,350 $661,000 $799,000 $993,000
    COLUMBUS, GA-AL MARION 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MERIWETHER 2023 $592,250 $758,200 $916,450 $1,138,950
    NON-METRO MILLER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MITCHELL 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA MONROE 2023 $472,030 $604,400 $730,525 $907,900
    VIDALIA, GA MONTGOMERY 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MORGAN 2023 $592,250 $758,200 $916,450 $1,138,950
    DALTON, GA MURRAY 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBUS, GA-AL MUSCOGEE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA NEWTON 2023 $592,250 $758,200 $916,450 $1,138,950
    ATHENS-CLARKE COUNTY, GA OCONEE 2023 $516,350 $661,000 $799,000 $993,000
    ATHENS-CLARKE COUNTY, GA OGLETHORPE 2023 $516,350 $661,000 $799,000 $993,000
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PAULDING 2023 $592,250 $758,200 $916,450 $1,138,950
    WARNER ROBINS, GA PEACH 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PICKENS 2023 $592,250 $758,200 $916,450 $1,138,950
    WAYCROSS, GA PIERCE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PIKE 2023 $592,250 $758,200 $916,450 $1,138,950
    CEDARTOWN, GA POLK 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PULASKI 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PUTNAM 2023 $472,030 $604,400 $730,525 $907,900
    EUFAULA, AL-GA QUITMAN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO RABUN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO RANDOLPH 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC RICHMOND 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA ROCKDALE 2023 $592,250 $758,200 $916,450 $1,138,950
    AMERICUS, GA SCHLEY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SCREVEN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SEMINOLE 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA SPALDING 2023 $592,250 $758,200 $916,450 $1,138,950
    TOCCOA, GA STEPHENS 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBUS, GA-AL STEWART 2023 $472,030 $604,400 $730,525 $907,900
    AMERICUS, GA SUMTER 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBUS, GA-AL TALBOT 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TALIAFERRO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TATTNALL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TAYLOR 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TELFAIR 2023 $472,030 $604,400 $730,525 $907,900
    ALBANY, GA TERRELL 2023 $472,030 $604,400 $730,525 $907,900
    THOMASVILLE, GA THOMAS 2023 $472,030 $604,400 $730,525 $907,900
    TIFTON, GA TIFT 2023 $472,030 $604,400 $730,525 $907,900
    VIDALIA, GA TOOMBS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TOWNS 2023 $472,030 $604,400 $730,525 $907,900
    DUBLIN, GA TREUTLEN 2023 $472,030 $604,400 $730,525 $907,900
    LAGRANGE, GA-AL TROUP 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TURNER 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA TWIGGS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO UNION 2023 $472,030 $604,400 $730,525 $907,900
    THOMASTON, GA UPSON 2023 $472,030 $604,400 $730,525 $907,900
    CHATTANOOGA, TN-GA WALKER 2023 $472,030 $604,400 $730,525 $907,900
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA WALTON 2023 $592,250 $758,200 $916,450 $1,138,950
    WAYCROSS, GA WARE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WARREN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WASHINGTON 2023 $472,030 $604,400 $730,525 $907,900
    JESUP, GA WAYNE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WEBSTER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WHEELER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WHITE 2023 $472,030 $604,400 $730,525 $907,900
    DALTON, GA WHITFIELD 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WILCOX 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WILKES 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WILKINSON 2023 $472,030 $604,400 $730,525 $907,900
    ALBANY, GA WORTH 2023 $472,030 $604,400 $730,525 $907,900

    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).