In 2025, the FHA loan limits for Lovejoy county, located in Clayton, GA, are as follows: for a single-family home, the limit is $472,030. When it comes to properties consisting of two units, the limit extends to $604,400. For those that accommodate three-unit residences, the cap reaches $730,525. Finally, for properties with four units, the cap is $907,900.
Conventional loans have different maximum amounts. For a single-family residence, the ceiling is $726,200. For properties composed of two units, it is $929,850; for three-unit homes, the limit increases to $1,123,900; and for four-unit dwellings, the maximum is $1,396,800.
Use our FHA calculator to explore today’s most advantageous FHA rates and determine the necessary qualifications, including downpayment requirements, income levels, credit evaluation, reserves, and essential documents necessary to qualify properly.
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The Lendersa® calculator allows for a comprehensive comparison of FHA rates and terms alongside those from a variety of other loan programs. These include Conventional loans, Jumbo opportunities, VA loans, USDA plans, Non-QM solutions, and hard money offerings. By examining these, you gain a well-rounded perspective, comparing all options to FHA's offerings.
Lendersa® pulls loan program data from an extensive range of lenders, analyzing and comparing it swiftly with your unique financial profile and needs, delivering custom results precisely aligned with what you require.
The Loan Limits Comparison Table for 2025 in Lovejoy county of Clayton, GA, provides a detailed look at maximum loan amounts available across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deeper understanding of qualification requirements such as income, reserves, and credit parameters, make use of the robust Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comprehensive analysis.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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