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By Karl Freund

Updated On

January 12, 2025

2025 FHA Loan Limits for Georgia

County nameSingle FamilyTwo unitsThree unitsFour units
APPLING$524,225$671,200$811,275$1,008,300
ATKINSON$524,225$671,200$811,275$1,008,300
BACON$524,225$671,200$811,275$1,008,300
BAKER$524,225$671,200$811,275$1,008,300
BALDWIN$524,225$671,200$811,275$1,008,300
BANKS$524,225$671,200$811,275$1,008,300
BARROW$688,850$881,850$1,065,950$1,324,750
BARTOW$688,850$881,850$1,065,950$1,324,750
BEN HILL$524,225$671,200$811,275$1,008,300
BERRIEN$524,225$671,200$811,275$1,008,300
BIBB$524,225$671,200$811,275$1,008,300
BLECKLEY$524,225$671,200$811,275$1,008,300
BRANTLEY$524,225$671,200$811,275$1,008,300
BROOKS$524,225$671,200$811,275$1,008,300
BRYAN$524,225$671,200$811,275$1,008,300
BULLOCH$524,225$671,200$811,275$1,008,300
BURKE$524,225$671,200$811,275$1,008,300
BUTTS$688,850$881,850$1,065,950$1,324,750
CALHOUN$524,225$671,200$811,275$1,008,300
CAMDEN$524,225$671,200$811,275$1,008,300
CANDLER$524,225$671,200$811,275$1,008,300
CARROLL$688,850$881,850$1,065,950$1,324,750
CATOOSA$524,225$671,200$811,275$1,008,300
CHARLTON$524,225$671,200$811,275$1,008,300
CHATHAM$524,225$671,200$811,275$1,008,300
CHATTAHOOCHEE$524,225$671,200$811,275$1,008,300
CHATTOOGA$524,225$671,200$811,275$1,008,300
CHEROKEE$688,850$881,850$1,065,950$1,324,750
CLARKE$603,750$772,900$934,250$1,161,050
CLAY$524,225$671,200$811,275$1,008,300
CLAYTON$688,850$881,850$1,065,950$1,324,750
CLINCH$524,225$671,200$811,275$1,008,300
COBB$688,850$881,850$1,065,950$1,324,750
COFFEE$524,225$671,200$811,275$1,008,300
COLQUITT$524,225$671,200$811,275$1,008,300
COLUMBIA$524,225$671,200$811,275$1,008,300
COOK$524,225$671,200$811,275$1,008,300
COWETA$688,850$881,850$1,065,950$1,324,750
CRAWFORD$524,225$671,200$811,275$1,008,300
CRISP$524,225$671,200$811,275$1,008,300
DADE$524,225$671,200$811,275$1,008,300
DAWSON$688,850$881,850$1,065,950$1,324,750
DECATUR$524,225$671,200$811,275$1,008,300
DEKALB$688,850$881,850$1,065,950$1,324,750
DODGE$524,225$671,200$811,275$1,008,300
DOOLY$524,225$671,200$811,275$1,008,300
DOUGHERTY$524,225$671,200$811,275$1,008,300
DOUGLAS$688,850$881,850$1,065,950$1,324,750
EARLY$524,225$671,200$811,275$1,008,300
ECHOLS$524,225$671,200$811,275$1,008,300
EFFINGHAM$524,225$671,200$811,275$1,008,300
ELBERT$524,225$671,200$811,275$1,008,300
EMANUEL$524,225$671,200$811,275$1,008,300
EVANS$524,225$671,200$811,275$1,008,300
FANNIN$524,225$671,200$811,275$1,008,300
FAYETTE$688,850$881,850$1,065,950$1,324,750
FLOYD$524,225$671,200$811,275$1,008,300
FORSYTH$688,850$881,850$1,065,950$1,324,750
FRANKLIN$524,225$671,200$811,275$1,008,300
FULTON$688,850$881,850$1,065,950$1,324,750
GILMER$524,225$671,200$811,275$1,008,300
GLASCOCK$524,225$671,200$811,275$1,008,300
GLYNN$524,225$671,200$811,275$1,008,300
GORDON$524,225$671,200$811,275$1,008,300
GRADY$524,225$671,200$811,275$1,008,300
GREENE$555,450$711,050$859,500$1,068,200
GWINNETT$688,850$881,850$1,065,950$1,324,750
HABERSHAM$524,225$671,200$811,275$1,008,300
HALL$524,225$671,200$811,275$1,008,300
HANCOCK$524,225$671,200$811,275$1,008,300
HARALSON$688,850$881,850$1,065,950$1,324,750
HARRIS$524,225$671,200$811,275$1,008,300
HART$524,225$671,200$811,275$1,008,300
HEARD$688,850$881,850$1,065,950$1,324,750
HENRY$688,850$881,850$1,065,950$1,324,750
HOUSTON$524,225$671,200$811,275$1,008,300
IRWIN$524,225$671,200$811,275$1,008,300
JACKSON$524,225$671,200$811,275$1,008,300
JASPER$688,850$881,850$1,065,950$1,324,750
JEFF DAVIS$524,225$671,200$811,275$1,008,300
JEFFERSON$524,225$671,200$811,275$1,008,300
JENKINS$524,225$671,200$811,275$1,008,300
JOHNSON$524,225$671,200$811,275$1,008,300
JONES$524,225$671,200$811,275$1,008,300
LAMAR$688,850$881,850$1,065,950$1,324,750
LANIER$524,225$671,200$811,275$1,008,300
LAURENS$524,225$671,200$811,275$1,008,300
LEE$524,225$671,200$811,275$1,008,300
LIBERTY$524,225$671,200$811,275$1,008,300
LINCOLN$524,225$671,200$811,275$1,008,300
LONG$524,225$671,200$811,275$1,008,300
LOWNDES$524,225$671,200$811,275$1,008,300
LUMPKIN$524,225$671,200$811,275$1,008,300
MACON$524,225$671,200$811,275$1,008,300
MADISON$603,750$772,900$934,250$1,161,050
MARION$524,225$671,200$811,275$1,008,300
MCDUFFIE$524,225$671,200$811,275$1,008,300
MCINTOSH$524,225$671,200$811,275$1,008,300
MERIWETHER$688,850$881,850$1,065,950$1,324,750
MILLER$524,225$671,200$811,275$1,008,300
MITCHELL$524,225$671,200$811,275$1,008,300
MONROE$524,225$671,200$811,275$1,008,300
MONTGOMERY$524,225$671,200$811,275$1,008,300
MORGAN$688,850$881,850$1,065,950$1,324,750
MURRAY$524,225$671,200$811,275$1,008,300
MUSCOGEE$524,225$671,200$811,275$1,008,300
NEWTON$688,850$881,850$1,065,950$1,324,750
OCONEE$603,750$772,900$934,250$1,161,050
OGLETHORPE$603,750$772,900$934,250$1,161,050
PAULDING$688,850$881,850$1,065,950$1,324,750
PEACH$524,225$671,200$811,275$1,008,300
PICKENS$688,850$881,850$1,065,950$1,324,750
PIERCE$524,225$671,200$811,275$1,008,300
PIKE$688,850$881,850$1,065,950$1,324,750
POLK$524,225$671,200$811,275$1,008,300
PULASKI$524,225$671,200$811,275$1,008,300
PUTNAM$524,225$671,200$811,275$1,008,300
QUITMAN$524,225$671,200$811,275$1,008,300
RABUN$524,225$671,200$811,275$1,008,300
RANDOLPH$524,225$671,200$811,275$1,008,300
RICHMOND$524,225$671,200$811,275$1,008,300
ROCKDALE$688,850$881,850$1,065,950$1,324,750
SCHLEY$524,225$671,200$811,275$1,008,300
SCREVEN$524,225$671,200$811,275$1,008,300
SEMINOLE$524,225$671,200$811,275$1,008,300
SPALDING$688,850$881,850$1,065,950$1,324,750
STEPHENS$524,225$671,200$811,275$1,008,300
STEWART$524,225$671,200$811,275$1,008,300
SUMTER$524,225$671,200$811,275$1,008,300
TALBOT$524,225$671,200$811,275$1,008,300
TALIAFERRO$524,225$671,200$811,275$1,008,300
TATTNALL$524,225$671,200$811,275$1,008,300
TAYLOR$524,225$671,200$811,275$1,008,300
TELFAIR$524,225$671,200$811,275$1,008,300
TERRELL$524,225$671,200$811,275$1,008,300
THOMAS$524,225$671,200$811,275$1,008,300
TIFT$524,225$671,200$811,275$1,008,300
TOOMBS$524,225$671,200$811,275$1,008,300
TOWNS$524,225$671,200$811,275$1,008,300
TREUTLEN$524,225$671,200$811,275$1,008,300
TROUP$524,225$671,200$811,275$1,008,300
TURNER$524,225$671,200$811,275$1,008,300
TWIGGS$524,225$671,200$811,275$1,008,300
UNION$524,225$671,200$811,275$1,008,300
UPSON$524,225$671,200$811,275$1,008,300
WALKER$524,225$671,200$811,275$1,008,300
WALTON$688,850$881,850$1,065,950$1,324,750
WARE$524,225$671,200$811,275$1,008,300
WARREN$524,225$671,200$811,275$1,008,300
WASHINGTON$524,225$671,200$811,275$1,008,300
WAYNE$524,225$671,200$811,275$1,008,300
WEBSTER$524,225$671,200$811,275$1,008,300
WHEELER$524,225$671,200$811,275$1,008,300
WHITE$524,225$671,200$811,275$1,008,300
WHITFIELD$524,225$671,200$811,275$1,008,300
WILCOX$524,225$671,200$811,275$1,008,300
WILKES$524,225$671,200$811,275$1,008,300
WILKINSON$524,225$671,200$811,275$1,008,300
WORTH$524,225$671,200$811,275$1,008,300
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Karl Freund

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About Me

Karl Freund is the current CEO of Kenneth James Realty, as well as a licensed loan originator.  He has been in the lending and real estate industry for 25 years and achieved well over $1 Billion in sales.  He is a graduate of St. Bonaventure University in New York, and a current resident of Phoenix, Arizona.

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Copyright © 2025 FHARates.com, Tempe, Arizona

Legal Disclosures

Representative rates are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. Representative rates are valid as of 05/20/2024 and assume a minimum credit score of 740 and loan-to-value ratio of 80%, except for FHA and VA loans which assume a minimum credit score of 680-739 and loan-to-value ratio of 96.5% and 100%, respectively. The Jumbo loan amount shown exceeds the highest conforming loan limit in most state or city locations for which rates are being provided. Currently, a Jumbo loan exceeds $766,550 for a single-family home in all states (except Hawaii and Alaska, and a few federally designated markets where the limit is $1,149,825). Estimated monthly payment amounts displayed are based upon principal and interest only, and taxes and insurance are not included in this estimate; the actual payment obligation may be greater. Not all borrowers will qualify for these rates. Final loan approval is subject to criteria established by a lender, including satisfactory appraisal, title review, and underwriting determination, among other criteria. Rates subject to change without notice. Restrictions apply. 

NOTE: Mortgage rate trends are based on historical rate data and the inputs that you select. Changes to inputs will affect the rate trends shown. Mortgage rate trends displayed are for informational purposes only and represent rate trends over time and are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only.

Mortgage rates are displayed through Zillow Group Marketplace, Inc. (“ZGMI”) a licensed mortgage broker, NMLS #1303160. Zillow Group Marketplace, Inc. does not make loans and this is not a commitment to lend. See current list of state licenses and disclosures here. Please note: Adjustable-rate mortgages (ARMs) are loans with interest rates that change after an initial fixed-rate period.

ZGMI does not aid or assist consumers in obtaining loans, solicit consumers or lenders for loans, offer or negotiate terms of loans, make loans or credit decisions in connection with loans, take applications for credit, or issue pre-approval letters. ZGMI allows consumers to provide certain information to lenders. ZGMI does not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.

More details about the rates displayed

  • A 3-year ARM loan of $300,000 at 8.35 % APR with a down payment of $75,000 will have a monthly payment of $2,227.
  • A 5-year ARM loan of $300,000 at 7.67 % APR with a down payment of $75,000 will have a monthly payment of $1,923.
  • A 7-year ARM loan of $300,000 at 7.53 % APR with a down payment of $75,000 will have a monthly payment of $1,942.
  • A 10-Year Fixed Rate loan of $300,000 at 5.95 % APR with a down payment of $75,000 will have a monthly payment of $3,299.
  • A 15-Year Fixed Rate loan of $300,000 at 6.13 % APR with a down payment of $75,000 will have a monthly payment of $2,531.
  • A 20-Year Fixed Rate loan of $300,000 at 6.30 % APR with a down payment of $75,000 will have a monthly payment of $2,187.
  • A 30-Year Fixed Rate loan of $300,000 at 6.74 % APR with a down payment of $75,000 will have a monthly payment of $1,929.
  • A 15-Year Fixed Rate FHA loan of $300,000 at 6.88 % APR with a down payment of $10,880 will have a monthly payment of $2,494.
  • A 15-Year Fixed Rate VA loan of $300,000 at 6.25 % APR with a down payment of $0 will have a monthly payment of $2,492.
  • A 30-Year Fixed Rate FHA loan of $300,000 at 7.08 % APR with a down payment of $10,880 will have a monthly payment of $1,798.
  • A 30-Year Fixed Rate VA loan of $300,000 at 6.35 % APR with a down payment of $0 will have a monthly payment of $1,812.
  • A 15-Year Fixed Rate Jumbo loan of $766,551 at 6.84 % APR with a down payment of $191,637 will have a monthly payment of $6,783.
  • A 3-year ARM Jumbo loan of $766,551 at 7.57 % APR with a down payment of $191,637 will have a monthly payment of $4,473.
  • A 30-Year Fixed Rate Jumbo loan of $766,551 at 6.92 % APR with a down payment of $191,637 will have a monthly payment of $5,024.
  • A 5-year ARM Jumbo loan of $766,551 at 7.67 % APR with a down payment of $191,637 will have a monthly payment of $5,054.
  • A 7-year ARM Jumbo loan of $766,551 at 7.48 % APR with a down payment of $191,637 will have a monthly payment of $5,010.
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