2026 loan limits in Chatham County, Georgia
In Chatham County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Chatham County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Chatham County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Chatham County?
$541,287 for a one-unit home.
More for Chatham County
Chatham County property taxesFHA loan limits toolGeorgia closing costsBloomingdale 31302 market dataPooler 31322 market dataPort Wentworth 31407 market dataSavannah 31401 market dataSavannah 31404 market dataSavannah 31405 market dataSavannah 31406 market dataSavannah 31408 market dataSavannah 31410 market dataSavannah 31411 market data
2026 limits from HUD’s county files (Savannah, Ga). Conforming limits are set by the Federal Housing Finance Agency.