For 2026, the FHA loan limits in Mitchell county, located within Pelham, GA, are defined as $472,030 for single-family homes. The limit for two units is $604,400, for three units it's $730,525, and for four units, the cap is $907,900.
The maximum loan amount for conventional loans on a single-family residence is $726,200. Two-unit properties are capped at $929,850, while three units can reach $1,123,900, and four units are limited to $1,396,800.
Utilize our FHA calculator to discover today’s leading FHA rates and calculate the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with other loan programs. Examine options such as conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans alongside FHA offerings.
Lendersa® rapidly collects and analyzes loan data from thousands of lenders, aligning it with your unique financial needs and profile.
For 2026 in Mitchell county of Pelham, GA, see the Loan Limits Comparison Table that includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualification needs for income, reserves, and credit.
| 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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