Henry County, Georgia FHA loan limits 2025
The maximum FHA-insured mortgage in Henry County for case numbers assigned in 2025. Source: HUD Mortgagee Letter 2024-21.
| Property type | Henry County 2025 limit |
|---|---|
| 1-unit (single family) | $524,225 |
| 2-unit (duplex) | $671,200 |
| 3-unit (triplex) | $811,275 |
| 4-unit (fourplex) | $1,008,300 |
What this means for Henry County buyers
FHA insures mortgages up to $524,225 for a single-family home in Henry County. Loan amounts above this cap are not eligible for FHA financing in this county; you would need to use a conventional or jumbo product instead.
With FHA's 3.5% minimum down payment, that $524,225 cap means a maximum sale price of approximately $543,238 while still using FHA. Henry County is at the national floor, the same as most US counties.
Estimate your monthly payment
Run the FHA monthly payment, including the upfront and annual mortgage insurance premium (MIP) that comes with every FHA loan.
Common questions
For a single-family home in Henry County, the 2025 FHA loan limit is $524,225. Two-unit, three-unit, and four-unit limits are $671,200, $811,275, and $1,008,300 respectively.
HUD publishes FHA forward-mortgage limits each December, effective for case numbers assigned starting January 1. The limits are tied to the FHFA conforming loan limit (FHA floor is 65% of the conforming limit; ceiling is 150%).
No. Loan amounts above $524,225 are not FHA-insurable in Henry County. You would need conventional financing (which has its own conforming limit of $806,500) or a jumbo loan above that.
With FHA's 3.5% minimum down payment, the maximum sale price is roughly $543,238. With 10% down, the maximum sale price is roughly $582,472.
Yes, every January. Limits typically rise with home-price appreciation. Counties can move from the floor to mid-cost or to the ceiling as local prices change.