For the current year 2026, the FHA loan limits in Springfield county of Effingham, GA are $472,030 for a single-family dwelling, $604,400 for 2-unit buildings, $730,525 for a 3-unit home, and $907,900 for properties with four units.
The conventional loan limits max out at $726,200 for a single-family home, $929,850 for 2-unit residences, $1,123,900 for those with three units, and $1,396,800 for four-unit homes.
Use our FHA calculator to determine today’s best FHA rates and assess what downpayment, income, credit, reserves, and documentation are needed for qualification.
Lendersa® calculator allows you to weigh FHA rates and terms against those of other loan types like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses data from thousands of lenders, providing rapid matching to your individual financial needs and profile.
The Loan Limits Comparison Table for 2026 in Springfield county of Effingham, GA helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For comparing qualification needs such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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