Augusta Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Augusta, Georgia (License #71263). Richmond County (Augusta) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, though Augusta’s affordability means most purchases fall well within that limit.
Augusta offers some of Georgia’s most attainable prices and a large military community around Fort Eisenhower (formerly Fort Gordon). Affordability and VA loan fluency make it a strong first-time and military buyer market.
Today's Augusta Mortgage Rates
Live best-execution Georgia rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
FHA 30-Yr Fixed
5.625%
APR 5.779%
VA 30-Yr Fixed
5.625%
APR 5.795%
Jumbo 30-Yr Fixed
6.500%
APR 6.602%
Rates subject to change. See Rate Assumptions.
Augusta Home Loan Facts
Median Home Price
~$245,000
Curated Augusta estimate.
2026 Conforming Limit
$832,750
Richmond County baseline reference.
County
Richmond County
Loan limits are set at the county level.
Loan Limits & Market
Richmond County (Augusta) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, though Augusta’s affordability means most purchases fall well within that limit.
From downtown and Summerville to Evans and Martinez across the river, the Augusta area pairs low prices with steady demand from military households and first-time buyers. FHA and VA loans are especially common.
Augusta Highlights
- Baseline conforming limit of $832,750 (2026)
- Strong VA demand near Fort Eisenhower
- One of Georgia’s most affordable markets
- FHA and Georgia Dream assistance widely used
Property Taxes in Georgia
Georgia offers a standard homestead exemption for primary residences, with additional exemptions available in many counties for seniors and other qualifying homeowners.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Georgia
Georgia Dream Homeownership
Affordable first mortgage for eligible first-time buyers who meet income and purchase-price limits.
Georgia Dream Down Payment Assistance
Second-mortgage assistance toward down payment and closing costs.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Augusta, Georgia
Your Augusta loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Georgia mortgage license (#71263). See our full licensing & disclosures for details.
Meet Ivan HendrenAugusta Mortgage FAQ
Why are VA loans common in Augusta?
Augusta is home to Fort Eisenhower (formerly Fort Gordon), giving it a large military population and heavy VA loan use. Eligible borrowers get no down payment, no PMI, and competitive rates.
Is Augusta good for first-time buyers?
Yes. Augusta is one of Georgia’s most affordable markets, and first-time buyers frequently pair FHA or conventional financing with Georgia Dream down payment assistance.
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