In 2026, the FHA loan limit in Toccoa county of Stephens, GA, stands at $472,030 for a single-family home. The permissible limit for properties with two units is $604,400, for three-unit residences it's $730,525, and if you are looking at a four-unit property, the maximum is $907,900.
On the other hand, the maximum conventional loan amount for single-family homes is set at $726,200. For homes with two units, the threshold is $929,850. For those with three units, it rises to $1,123,900, and for the properties comprising four units, the cap is $1,396,800.
Make use of our dedicated FHA calculator to explore today’s best available FHA rates and to assess what is needed in terms of downpayment, income, credit, reserves, and other required documents to qualify for a loan.
Review and compare a comprehensive range of loan offers from an extensive network of 100 lenders to find the optimal fit for your needs.
The Lendersa® calculator offers a robust platform that enables you to compare FHA rates and terms with those of various other loan programs. This includes Conventional loans, Jumbo options, VA offerings, USDA packages, Non-QM solutions, and hard money loans. Investigate your possibilities alongside FHA options.
Drawing comprehensive data from thousands of lenders, the Lendersa® service quickly compares and contrasts this information against your unique financial circumstances, ensuring a tailored and precise comparison that meets your needs efficiently.
Utilize the Loan Limits Comparison Table for 2026 within Toccoa county, part of Stephens, GA, to evaluate the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money financing. For a deeper comparison of eligibility requirements such as income, reserve funds, and credit criteria, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an extensive evaluation.
| 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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