If you’re buying a home in Georgia in 2026, it’s important to understand the current conforming loan limits. These limits, set by the Federal Housing Finance Agency (FHFA), affect how much you can borrow with a conforming loan backed by Fannie Mae or Freddie Mac. Staying within these limits can open the door to easier qualification and more competitive interest rates.
In this guide, we’ll break down the 2026 Georgia conforming loan limits, explain how they’re set, and show you what they mean for your homebuying journey.
2026 Conforming Loan Limits for Georgia
For 2026, the FHFA has increased the baseline conforming loan limit for a single-family home to $832,750. Unlike some states, Georgia does not have any designated high-cost counties, so the baseline limit applies statewide.
These limits apply to conventional loans that are eligible for purchase by Fannie Mae and Freddie Mac.
Breakdown of 2026 Conforming Loan Limits:
-
Standard (Baseline) Limit: $832,750
-
High-Cost Areas: Not applicable in Georgia
This means that whether you’re buying a home in Atlanta (Fulton County), Savannah (Chatham County), or Augusta (Richmond County), the maximum conforming loan amount for a single-family home is $832,750.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| Appling County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Atkinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bacon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baldwin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Banks County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Barrow County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bartow County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ben Hill County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Berrien County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bibb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bleckley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brantley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brooks County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bryan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bulloch County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Burke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butts County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Camden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Candler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Catoosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chatham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chattahoochee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chattooga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clarke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clayton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cleburne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clinch County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cobb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Colquitt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coweta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crisp County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dawson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Decatur County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| DeKalb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dodge County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dooly County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dougherty County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Early County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Echols County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Effingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Elbert County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Emanuel County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Evans County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fannin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Floyd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Forsyth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fulton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilmer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glascock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glynn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gordon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grady County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gwinnett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Habersham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Haralson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harris County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hart County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Heard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Houston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Irwin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jasper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jeff Davis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jenkins County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lamar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lanier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Laurens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Liberty County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Long County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lowndes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lumpkin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Macon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| McDuffie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| McIntosh County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Meriwether County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miller County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mitchell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Murray County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Muscogee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Newton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oconee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oglethorpe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Paulding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Peach County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pickens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pierce County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pulaski County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Quitman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rabun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richmond County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rockdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Schley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Screven County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seminole County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Spalding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stephens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stewart County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Talbot County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taliaferro County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tattnall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taylor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Telfair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Terrell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Thomas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tift County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Toombs County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Towns County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Treutlen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Troup County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Turner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Twiggs County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Upson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ware County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Webster County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wheeler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| White County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whitfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilcox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilkes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilkinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Worth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
How Are Loan Limits Determined?
The FHFA sets conforming loan limits annually based on changes in average U.S. home prices. The Housing and Economic Recovery Act (HERA) of 2008 established the formula used to calculate these limits.
Under this framework, the national baseline limit is adjusted based on changes in average U.S. home prices. For high-cost areas, FHFA evaluates whether 115% of a county’s median home value exceeds the baseline. If it does, the loan limit may increase, capped at 150% of the baseline amount.
Since none of Georgia’s counties exceed this threshold, the standard conforming loan limit applies across the entire state for 2026.
This approach ensures loan limits keep pace with housing market trends while maintaining consistency in states that remain below the high-cost threshold.
View mortgage rates for
June 11, 2026
Why Do Loan Limits Matter?
Loan limits set the maximum amount you can borrow with a conforming loan, which is a mortgage eligible for purchase by government-sponsored entities like Fannie Mae and Freddie Mac. These limits play an important role in determining your loan options and borrowing costs.
Benefits of Staying Within Loan Limits:
-
Lower Interest Rates: Conforming loans typically offer more competitive interest rates than jumbo loans, which can result in significant long-term savings.
-
Easier Qualification: Because conforming loans carry less risk for lenders, they often allow lower minimum credit scores and higher allowable debt-to-income (DTI) ratios.
-
Lower Down Payment Options: Many conforming loan programs allow down payments as low as 3% to 5%, while jumbo loans often require 20% or more.
-
Access to More Programs: Staying within loan limits can make you eligible for certain conventional and government-backed programs that are not available with jumbo loans.
Implications of Exceeding Loan Limits:
If your loan amount exceeds the conforming loan limit, you’ll need a jumbo loan, which is not backed by Fannie Mae or Freddie Mac. Jumbo loans generally involve:
-
Stricter Qualification Standards: Higher credit score requirements, lower allowable DTI ratios, and more extensive financial documentation.
-
Higher Interest Rates and Fees: Due to increased lender risk, jumbo loans often come with higher rates and additional costs.
Understanding loan limits helps you plan your home purchase more effectively and choose financing options that best align with your financial goals.
Frequently Asked Questions
Are conforming loan limits the same for multi-unit properties in Georgia?
No. Loan limits increase with the number of units. Duplexes, triplexes, and four-unit properties have higher conforming loan limits than single-family homes. If you’re purchasing a multi-unit property in Georgia, review the limits specific to your property type.
How do conforming loan limits affect refinancing options in Georgia?
Conforming loan limits apply to refinance transactions as well. To qualify for conventional refinance programs with competitive rates and streamlined approval, your refinance loan amount typically must stay within the conforming loan limit for your area.
Do FHA and VA loan limits differ from FHFA conforming limits in Georgia?
Yes. FHA and VA loans follow separate loan limit guidelines that can differ from FHFA conforming loan limits. These program-specific limits affect the maximum loan amounts available through FHA or VA financing.
Questions About Getting a Mortgage in Georgia?
Knowing the 2026 loan limits in your county can help you secure better loan terms and simplify the approval process. If you’re planning to buy a home in Georgia, let JVM Lending’s experts guide you every step of the way.
Contact us today, we’re available seven days a week to help you find the right mortgage for your needs.
