July 2026 Georgia Real Estate Contract Stats: A Changing Financing Mix

This article is part of our August 2026 Assisting All Agents update. See the complete monthly update.

Each month, we review the contracts submitted to Right Hand Real Estate Services to see what our agents and their clients are experiencing. Here is what stood out in July.

Conventional Financing Fell as FHA and Cash Increased

Conventional loans accounted for 37.5% of our July contracts, a sharp decrease from 67.3% in June.

At the same time, FHA financing increased from 5.5% in June to 23.2% in July, while cash or no-financing contracts increased from 18.2% to 28.6%.

VA loans represented 8.9% of July contracts, and seller or other financing accounted for the remaining 1.8%.

One month does not establish a lasting trend, but the change is worth watching. July’s contracts included a much broader mix of financing than we saw in June, with fewer buyers using conventional loans and more relying on FHA financing or purchasing without financing.

Fewer Contracts Terminated in July

Our termination rate decreased from 30% in June to 21% in July.

Another 25% of all July contracts included a contingency based on the sale or lease of another property. That means one in four transactions depended, at least in part, on the successful sale or lease of a separate property.

These contracts can add another layer of timing and coordination because a delay or problem in one transaction may affect the other.

Seller possession after closing also decreased from 12% in June to 6% in July.

The average due diligence period remained short at 6.8 days, compared with 6.9 days in June.

Contracts Averaged 100% of Final List Price

The average July contract price was equal to 100% of the final list price, up from 98% in June.

This calculation compares the contract price with the final list price at the time the property went under contract. It does not account for previous price reductions or seller-paid concessions, so it should not be interpreted as sellers receiving 100% of their original asking price or walking away without other negotiated costs.

3,797 Agent Hours Saved

Through July 31, our transaction coordinator team has saved our agents an estimated 3,797 hours in 2026.

That represents 622 additional hours saved during July and more time our agents could spend serving clients, generating business, improving their systems, or simply stepping away from the administrative details of their transactions.

These statistics reflect contracts submitted to Right Hand Real Estate Services and are not intended to represent the Georgia real estate market as a whole. This content is for informational purposes only and does not constitute legal or financial advice. For specific guidance, please consult a qualified professional.

Continue Reading the August Agent Update

Back to the August 2026 Assisting All Agents summary.

Read next: Georgia Real Estate Counteroffers: Best Practices for Cleaner Contracts and Fewer Last-Minute Surprises.

Need support with your contracts or listings? Learn more about Right Hand Real Estate Services.