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FHA loans in Georgia

Quick answer

FHA loans in Georgia require 3.5% down with a 580+ credit score; on a $272,900 home that's about $9,552. County FHA limits start at $541,287 for one-unit homes in lower-cost areas.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

FHA loan snapshot for Georgia

ItemEstimate
Minimum down payment3.5%
Minimum credit score580
Typical GA home value$272,900
3.5% down on typical home$9,552
20% down on typical home$54,580
Avg. effective property tax0.81%/yr (~$184/mo)
Income for typical home (31% rule)$85,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Georgia programs pair with FHA loans?

  • Georgia Dream Homeownership Program: A fixed-rate first mortgage plus deferred, zero-interest down payment assistance for eligible buyers.
  • Georgia Dream PEN / CHOICE: Higher assistance amounts for public safety, educators, healthcare workers, military and households with a disabled member.

Details and current limits: Georgia Department of Community Affairs (Georgia Dream).

Who is an FHA loan best for?

FHA is designed for buyers with modest savings or credit that's still being built. Because the government insures the lender against loss, lenders can approve borrowers they might otherwise decline.

  • Credit scores between 580 and 680.
  • Debt-to-income ratios up to about 50% with compensating factors.
  • Buyers using gift funds for the entire down payment.
  • Buyers who had a bankruptcy 2+ years ago or foreclosure 3+ years ago.

How much does FHA mortgage insurance cost?

The upfront premium (UFMIP) is 1.75% of the base loan amount and is usually rolled into the loan. The annual premium for most 30-year loans is 0.55% of the balance, paid monthly. With less than 10% down, annual MIP lasts for the life of the loan; with 10% or more, it ends after 11 years. Many owners later refinance into a conventional loan to drop MIP.

FHA loans in Georgia cities

FHA in AtlantaFHA in ColumbusFHA in AugustaFHA in MaconFHA in SavannahFHA in AthensFHA in South FultonFHA in Sandy SpringsFHA in RoswellFHA in Johns CreekFHA in Warner RobinsFHA in AlbanyFHA in AlpharettaFHA in MariettaFHA in StonecrestFHA in BrookhavenFHA in SmyrnaFHA in ValdostaFHA in DunwoodyFHA in GainesvilleFHA in NewnanFHA in MabletonFHA in Peachtree CornersFHA in MiltonFHA in Peachtree CityFHA in East PointFHA in RomeFHA in EvansFHA in TuckerFHA in WoodstockFHA in DouglasvilleFHA in StockbridgeFHA in HinesvilleFHA in CantonFHA in DaltonFHA in StatesboroFHA in KennesawFHA in MartinezFHA in DuluthFHA in LaGrangeFHA in LawrencevilleFHA in RedanFHA in ChambleeFHA in McDonoughFHA in Union CityFHA in PoolerFHA in CarrolltonFHA in Sugar HillFHA in DecaturFHA in GriffinFHA in CartersvilleFHA in AcworthFHA in PerryFHA in SuwaneeFHA in Candler-McAfeeFHA in SnellvilleFHA in Forest ParkFHA in FayettevilleFHA in KingslandFHA in Winder

Frequently asked questions

Yes. FHA loans are available statewide in Georgia through approved lenders, subject to county loan limits where they apply.

Often yes. Georgia Department of Community Affairs (Georgia Dream) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Georgia.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.