VA Loan Limits in Georgia (2026)
For 2026, the VA county loan limit for most Georgia counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Georgia has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Georgia — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Georgia
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Fulton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Gwinnett County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cobb County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| DeKalb County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clayton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cherokee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Forsyth County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Henry County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Chatham County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hall County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Richmond County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Houston County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bibb County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Columbia County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Coweta County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Douglas County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Carroll County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Fayette County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Newton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bartow County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lowndes County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clarke County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Walton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Whitfield County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Floyd County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dougherty County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Barrow County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jackson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Muscogee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Paulding County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Georgia's median home price is roughly $345,000. With $0 down and no PMI, an example VA payment near that price is about $2,545/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Georgia
The VA home-loan benefit lets eligible Georgia veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Georgia for 2026?
- With full entitlement, none. For partial entitlement, most Georgia counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Georgia require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.