What are FHA Loan Limits in Virginia?

FHA loans are a low down payment mortgage program and Virginia FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Virginia are set at the floor amount of $275,665 across most of the entire state.

Virginia FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ACCOMACKNON-METRO$275,665$352,950$426,625$530,150
ALBEMARLECHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
ALEXANDRIA CITYWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
ALLEGHANYNON-METRO$275,665$352,950$426,625$530,150
AMELIARICHMOND, VA$535,900$686,050$829,250$1,030,600
AMHERSTLYNCHBURG, VA$292,100$373,950$452,000$561,700
APPOMATTOXLYNCHBURG, VA$292,100$373,950$452,000$561,700
ARLINGTONWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
AUGUSTASTAUNTON-WAYNESBORO, VA$275,665$352,950$426,625$530,150
BATHNON-METRO$275,665$352,950$426,625$530,150
BEDFORDLYNCHBURG, VA$292,100$373,950$452,000$561,700
BEDFORD CITYLYNCHBURG, VA$292,100$373,950$452,000$561,700
BLANDNON-METRO$275,665$352,950$426,625$530,150
BOTETOURTROANOKE, VA$275,665$352,950$426,625$530,150
BRISTOL CITYKINGSPORT-BRISTOL-BRISTOL, TN-VA$275,665$352,950$426,625$530,150
BRUNSWICKNON-METRO$275,665$352,950$426,625$530,150
BUCHANANNON-METRO$275,665$352,950$426,625$530,150
BUCKINGHAMCHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
BUENA VISTA CITNON-METRO$275,665$352,950$426,625$530,150
CAMPBELLLYNCHBURG, VA$292,100$373,950$452,000$561,700
CAROLINERICHMOND, VA$535,900$686,050$829,250$1,030,600
CARROLLNON-METRO$275,665$352,950$426,625$530,150
CHARLES CITYRICHMOND, VA$535,900$686,050$829,250$1,030,600
CHARLOTTENON-METRO$275,665$352,950$426,625$530,150
CHARLOTTESVILLECHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
CHESAPEAKE CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
CHESTERFIELDRICHMOND, VA$535,900$686,050$829,250$1,030,600
CLARKEWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
COLONIAL HEIGHTRICHMOND, VA$535,900$686,050$829,250$1,030,600
COVINGTON CITYNON-METRO$275,665$352,950$426,625$530,150
CRAIGROANOKE, VA$275,665$352,950$426,625$530,150
CULPEPERWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
CUMBERLANDNON-METRO$275,665$352,950$426,625$530,150
DANVILLE CITYDANVILLE, VA$275,665$352,950$426,625$530,150
DICKENSONBIG STONE GAP, VA$275,665$352,950$426,625$530,150
DINWIDDIERICHMOND, VA$535,900$686,050$829,250$1,030,600
EMPORIA CITYNON-METRO$275,665$352,950$426,625$530,150
ESSEXNON-METRO$275,665$352,950$426,625$530,150
FAIRFAXWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
FAIRFAX CITYWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
FALLS CHURCH CIWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
FAUQUIERWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
FLOYDBLACKSBURG-CHRISTIANSBURG-RADFORD, VA$292,100$373,950$452,000$561,700
FLUVANNACHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
FRANKLINROANOKE, VA$275,665$352,950$426,625$530,150
FRANKLIN CITYNON-METRO$275,665$352,950$426,625$530,150
FREDERICKWINCHESTER, VA-WV$281,750$360,700$436,000$541,800
FREDERICKSBURGWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
GALAX CITYNON-METRO$275,665$352,950$426,625$530,150
GILESBLACKSBURG-CHRISTIANSBURG-RADFORD, VA$292,100$373,950$452,000$561,700
GLOUCESTERVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
GOOCHLANDRICHMOND, VA$535,900$686,050$829,250$1,030,600
GRAYSONNON-METRO$275,665$352,950$426,625$530,150
GREENECHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
GREENSVILLENON-METRO$275,665$352,950$426,625$530,150
HALIFAXNON-METRO$275,665$352,950$426,625$530,150
HAMPTON CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
HANOVERRICHMOND, VA$535,900$686,050$829,250$1,030,600
HARRISONBURG CIHARRISONBURG, VA$277,150$354,800$428,850$532,950
HENRICORICHMOND, VA$535,900$686,050$829,250$1,030,600
HENRYMARTINSVILLE, VA$275,665$352,950$426,625$530,150
HIGHLANDNON-METRO$275,665$352,950$426,625$530,150
HOPEWELL CITYRICHMOND, VA$535,900$686,050$829,250$1,030,600
ISLE OF WIGHTVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
JAMES CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
KING AND QUEENNON-METRO$275,665$352,950$426,625$530,150
KING GEORGENON-METRO$350,750$449,000$542,750$674,500
KING WILLIAMRICHMOND, VA$535,900$686,050$829,250$1,030,600
LANCASTERNON-METRO$442,750$566,800$685,100$851,450
LEENON-METRO$275,665$352,950$426,625$530,150
LEXINGTON CITYNON-METRO$290,950$372,450$450,200$559,500
LOUDOUNWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
LOUISANON-METRO$275,665$352,950$426,625$530,150
LUNENBURGNON-METRO$275,665$352,950$426,625$530,150
LYNCHBURG CITYLYNCHBURG, VA$292,100$373,950$452,000$561,700
MADISONNON-METRO$275,665$352,950$426,625$530,150
MANASSAS CITYWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
MANASSAS PARK CWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
MARTINSVILLE CIMARTINSVILLE, VA$275,665$352,950$426,625$530,150
MATHEWSVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
MECKLENBURGNON-METRO$275,665$352,950$426,625$530,150
MIDDLESEXNON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYBLACKSBURG-CHRISTIANSBURG-RADFORD, VA$292,100$373,950$452,000$561,700
NELSONCHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
NEW KENTRICHMOND, VA$535,900$686,050$829,250$1,030,600
NEWPORT NEWS CIVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
NORFOLK CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
NORTHAMPTONNON-METRO$275,665$352,950$426,625$530,150
NORTHUMBERLANDNON-METRO$318,550$407,800$492,950$612,600
NORTON CITYBIG STONE GAP, VA$275,665$352,950$426,625$530,150
NOTTOWAYNON-METRO$275,665$352,950$426,625$530,150
ORANGENON-METRO$275,665$352,950$426,625$530,150
PAGENON-METRO$275,665$352,950$426,625$530,150
PATRICKNON-METRO$275,665$352,950$426,625$530,150
PETERSBURG CITYRICHMOND, VA$535,900$686,050$829,250$1,030,600
PITTSYLVANIADANVILLE, VA$275,665$352,950$426,625$530,150
POQUOSON CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
PORTSMOUTH CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
POWHATANRICHMOND, VA$535,900$686,050$829,250$1,030,600
PRINCE EDWARDNON-METRO$275,665$352,950$426,625$530,150
PRINCE GEORGERICHMOND, VA$535,900$686,050$829,250$1,030,600
PRINCE WILLIAMWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
PULASKIBLACKSBURG-CHRISTIANSBURG-RADFORD, VA$292,100$373,950$452,000$561,700
RADFORD CITYBLACKSBURG-CHRISTIANSBURG-RADFORD, VA$292,100$373,950$452,000$561,700
RAPPAHANNOCKWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
RICHMONDNON-METRO$275,665$352,950$426,625$530,150
RICHMOND CITYRICHMOND, VA$535,900$686,050$829,250$1,030,600
ROANOKEROANOKE, VA$275,665$352,950$426,625$530,150
ROANOKE CITYROANOKE, VA$275,665$352,950$426,625$530,150
ROCKBRIDGENON-METRO$275,665$352,950$426,625$530,150
ROCKINGHAMHARRISONBURG, VA$277,150$354,800$428,850$532,950
RUSSELLNON-METRO$275,665$352,950$426,625$530,150
SALEM CITYROANOKE, VA$275,665$352,950$426,625$530,150
SCOTTKINGSPORT-BRISTOL-BRISTOL, TN-VA$275,665$352,950$426,625$530,150
SHENANDOAHNON-METRO$275,665$352,950$426,625$530,150
SMYTHNON-METRO$275,665$352,950$426,625$530,150
SOUTHAMPTONNON-METRO$275,665$352,950$426,625$530,150
SPOTSYLVANIAWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
STAFFORDWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
STAUNTON CITYSTAUNTON-WAYNESBORO, VA$275,665$352,950$426,625$530,150
SUFFOLK CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
SURRYNON-METRO$275,665$352,950$426,625$530,150
SUSSEXRICHMOND, VA$535,900$686,050$829,250$1,030,600
TAZEWELLBLUEFIELD, WV-VA$275,665$352,950$426,625$530,150
VIRGINIA BEACHVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
WARRENWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
WASHINGTONKINGSPORT-BRISTOL-BRISTOL, TN-VA$275,665$352,950$426,625$530,150
WAYNESBORO CITYSTAUNTON-WAYNESBORO, VA$275,665$352,950$426,625$530,150
WESTMORELANDNON-METRO$275,665$352,950$426,625$530,150
WILLIAMSBURG CIVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
WINCHESTER CITYWINCHESTER, VA-WV$281,750$360,700$436,000$541,800
WISEBIG STONE GAP, VA$275,665$352,950$426,625$530,150
WYTHENON-METRO$275,665$352,950$426,625$530,150
YORKVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400

Virginia FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Virginia FHA Limits Set?

Vermont FHA Loan LimitsMortgage limits for Virginia FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Virginia FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Virginia is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in Virginia is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Virginia FHA loan limits are set above the nationwide floor amount in Arlington, Alexandria, Richmond, Virginia Beach and Winchester. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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