One-Time Close Loans | FHA and VA Construction Loans
VA and FHA One-Time Close Construction Loans

2026 FHA Construction Loan Limits in Georgia tell homebuyers how much borrowing power they have to build a home. VA Limits are set by the lenders.

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VA Loan - One-Time Close Construction Loan
FHA Loan - One-Time Close Construction Loan

2026 VA and FHA Construction Loan Limits

Borrow for Single Family Home Loans in Georgia Counties

The FHA has a maximum construction loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.

Construction loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.

Learn About the One-Time Close Constuction Loan
"For 2026, the FHA floor was set at $541,287 for single-family home loans. This lending limit covers most U.S. counties."

159 match(es) found

APPLING County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ATKINSON County
DOUGLAS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BACON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BAKER County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BALDWIN County
MILLEDGEVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BANKS County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BARROW County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
BARTOW County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
BEN HILL County
FITZGERALD
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BERRIEN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BIBB County
MACON-BIBB
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BLECKLEY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BRANTLEY County
BRUNSWICK-ST. SIMONS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BROOKS County
VALDOSTA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BRYAN County
SAVANNAH
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BULLOCH County
STATESBORO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BURKE County
AUGUSTA-RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BUTTS County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
CALHOUN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CAMDEN County
KINGSLAND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CANDLER County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CARROLL County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
CATOOSA County
CHATTANOOGA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CHARLTON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CHATHAM County
SAVANNAH
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CHATTAHOOCHEE County
COLUMBUS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CHATTOOGA County
SUMMERVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CHEROKEE County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
CLARKE County
ATHENS-CLARKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$616,400
CLAY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CLAYTON County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
CLINCH County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
COBB County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
COFFEE County
DOUGLAS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
COLQUITT County
MOULTRIE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
COLUMBIA County
AUGUSTA-RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
COOK County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
COWETA County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
CRAWFORD County
MACON-BIBB
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CRISP County
CORDELE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DADE County
CHATTANOOGA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DAWSON County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
DECATUR County
BAINBRIDGE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DEKALB County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
DODGE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DOOLY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DOUGHERTY County
ALBANY
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DOUGLAS County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
EARLY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ECHOLS County
VALDOSTA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
EFFINGHAM County
SAVANNAH
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ELBERT County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
EMANUEL County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
EVANS County
STATESBORO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FANNIN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FAYETTE County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
FLOYD County
ROME
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FORSYTH County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
FRANKLIN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FULTON County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
GILMER County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
GLASCOCK County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
GLYNN County
BRUNSWICK-ST. SIMONS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
GORDON County
CALHOUN
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
GRADY County
THOMASVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
GREENE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$638,250
GWINNETT County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
HABERSHAM County
CORNELIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HALL County
GAINESVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HANCOCK County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HARALSON County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
HARRIS County
COLUMBUS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HART County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HEARD County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
HENRY County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
HOUSTON County
WARNER ROBINS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
IRWIN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
JACKSON County
JEFFERSON
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
JASPER County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
JEFF DAVIS County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
JEFFERSON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
JENKINS County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
JOHNSON County
DUBLIN
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
JONES County
MACON-BIBB
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LAMAR County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LANIER County
VALDOSTA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LAURENS County
DUBLIN
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LEE County
ALBANY
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LIBERTY County
HINESVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LINCOLN County
AUGUSTA-RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LONG County
HINESVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LOWNDES County
VALDOSTA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LUMPKIN County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
MACON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MADISON County
ATHENS-CLARKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$616,400
MARION County
COLUMBUS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MCDUFFIE County
AUGUSTA-RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MCINTOSH County
BRUNSWICK-ST. SIMONS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MERIWETHER County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
MILLER County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MITCHELL County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MONROE County
MACON-BIBB
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MONTGOMERY County
VIDALIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MORGAN County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
MURRAY County
DALTON
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MUSCOGEE County
COLUMBUS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
NEWTON County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
OCONEE County
ATHENS-CLARKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$616,400
OGLETHORPE County
ATHENS-CLARKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$616,400
PAULDING County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
PEACH County
WARNER ROBINS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
PICKENS County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
PIERCE County
WAYCROSS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
PIKE County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
POLK County
CEDARTOWN
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
PULASKI County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
PUTNAM County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
QUITMAN County
EUFAULA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
RABUN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
RANDOLPH County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
RICHMOND County
AUGUSTA-RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ROCKDALE County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
SCHLEY County
AMERICUS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SCREVEN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SEMINOLE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SPALDING County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
STEPHENS County
TOCCOA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
STEWART County
COLUMBUS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SUMTER County
AMERICUS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TALBOT County
COLUMBUS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TALIAFERRO County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TATTNALL County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TAYLOR County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TELFAIR County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TERRELL County
ALBANY
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
THOMAS County
THOMASVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TIFT County
TIFTON
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TOOMBS County
VIDALIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TOWNS County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TREUTLEN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TROUP County
LAGRANGE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TURNER County
TIFTON
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
TWIGGS County
MACON-BIBB
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
UNION County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
UPSON County
THOMASTON
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WALKER County
CHATTANOOGA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WALTON County
ATLANTA-SANDY SPRINGS-ROSWELL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$718,750
WARE County
WAYCROSS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WARREN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WASHINGTON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WAYNE County
JESUP
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WEBSTER County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WHEELER County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WHITE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WHITFIELD County
DALTON
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WILCOX County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WILKES County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WILKINSON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WORTH County
ALBANY
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287

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