2026 limits · 159 counties
Georgia 2026 loan limits for duplexes, triplexes and fourplexes
In Georgia, the 2026 FHA limit for a fourplex runs from $1,041,125 to $1,382,250. 125 of 159 counties sit at the national floor; the highest is 29 counties. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is the baseline $1,601,750 for a fourplex statewide.
$693,050 to $920,150FHA, 2 units
$1,041,125 to $1,382,250FHA, 4 units
34counties above FHA's floor
$1,601,750highest conforming limit, 4 units
Every county in Georgia
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Appling County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Atkinson County Douglas, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bacon County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baker County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baldwin County Milledgeville, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Banks County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Barrow County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bartow County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ben Hill County Fitzgerald, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Berrien County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bibb County Macon-Bibb County, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bleckley County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brantley County Brunswick-St. Simons, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brooks County Valdosta, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bryan County Savannah, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bulloch County Statesboro, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Burke County Augusta-Richmond County, GA-SC | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butts County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Camden County Kingsland, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Candler County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Catoosa County Chattanooga, TN-GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlton County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chatham County Savannah, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chattahoochee County Columbus, GA-AL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chattooga County Summerville, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cherokee County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clarke County high-cost Athens-Clarke County, GA | $789,100 | $953,850 | $1,185,400 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clayton County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clinch County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cobb County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coffee County Douglas, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Colquitt County Moultrie, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County Augusta-Richmond County, GA-SC | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cook County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coweta County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crawford County Macon-Bibb County, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crisp County Cordele, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dade County Chattanooga, TN-GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dawson County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Decatur County Bainbridge, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dekalb County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dodge County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dooly County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dougherty County Albany, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Early County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Echols County Valdosta, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Effingham County Savannah, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Elbert County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Emanuel County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Evans County Statesboro, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fannin County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fayette County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Floyd County Rome, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Forsyth County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fulton County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilmer County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glascock County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glynn County Brunswick-St. Simons, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gordon County Calhoun, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grady County Thomasville, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County high-cost | $817,050 | $987,650 | $1,227,400 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gwinnett County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Habersham County Cornelia, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hall County Gainesville, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hancock County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Haralson County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harris County Columbus, GA-AL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hart County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Heard County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henry County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Houston County Warner Robins, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Irwin County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County Jefferson, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jasper County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jeff Davis County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jenkins County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Johnson County Dublin, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jones County Macon-Bibb County, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lamar County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lanier County Valdosta, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Laurens County Dublin, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County Albany, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Liberty County Hinesville, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County Augusta-Richmond County, GA-SC | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Long County Hinesville, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lowndes County Valdosta, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lumpkin County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Macon County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County high-cost Athens-Clarke County, GA | $789,100 | $953,850 | $1,185,400 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County Columbus, GA-AL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| McDuffie County Augusta-Richmond County, GA-SC | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| McIntosh County Brunswick-St. Simons, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Meriwether County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miller County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mitchell County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County Macon-Bibb County, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County Vidalia, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Murray County Dalton, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Muscogee County Columbus, GA-AL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Newton County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oconee County high-cost Athens-Clarke County, GA | $789,100 | $953,850 | $1,185,400 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oglethorpe County high-cost Athens-Clarke County, GA | $789,100 | $953,850 | $1,185,400 | $1,066,250 | $1,288,800 | $1,601,750 |
| Paulding County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Peach County Warner Robins, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pickens County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pierce County Waycross, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pike County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County Cedartown, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pulaski County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Quitman County Eufaula, AL-GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rabun County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Randolph County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richmond County Augusta-Richmond County, GA-SC | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rockdale County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Schley County Americus, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Screven County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seminole County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Spalding County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stephens County Toccoa, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stewart County Columbus, GA-AL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumter County Americus, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Talbot County Columbus, GA-AL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taliaferro County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tattnall County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taylor County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Telfair County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Terrell County Albany, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Thomas County Thomasville, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tift County Tifton, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Toombs County Vidalia, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Towns County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Treutlen County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Troup County Lagrange, GA-AL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Turner County Tifton, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Twiggs County Macon-Bibb County, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Upson County Thomaston, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walker County Chattanooga, TN-GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walton County high-cost Atlanta-Sandy Springs-Roswell, GA | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ware County Waycross, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County Jesup, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Webster County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wheeler County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| White County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whitfield County Dalton, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilcox County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilkes County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilkinson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Worth County Albany, GA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 125 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Barrow County | $953,523 | $1,152,590 | $1,432,383 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Georgia
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 in Georgia. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.