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$331,760$424,800$513,450$638,100
ALBEMARLECHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
ALEXANDRIA CITYWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
ALLEGHANYNON-METRO$331,760$424,800$513,450$638,100
AMELIARICHMOND, VA$535,900$686,050$829,250$1,030,600
AMHERSTLYNCHBURG, VA$331,760$424,800$513,450$638,100
APPOMATTOXLYNCHBURG, VA$331,760$424,800$513,450$638,100
ARLINGTONWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
AUGUSTASTAUNTON, VA$331,760$424,800$513,450$638,100
BATHNON-METRO$331,760$424,800$513,450$638,100
BEDFORDLYNCHBURG, VA$331,760$424,800$513,450$638,100
BLANDBLUEFIELD, WV-VA$331,760$424,800$513,450$638,100
BOTETOURTROANOKE, VA$331,760$424,800$513,450$638,100
BRISTOL CITYKINGSPORT-BRISTOL, TN-VA$331,760$424,800$513,450$638,100
BRUNSWICKNON-METRO$331,760$424,800$513,450$638,100
BUCHANANNON-METRO$331,760$424,800$513,450$638,100
BUCKINGHAMNON-METRO$331,760$424,800$513,450$638,100
BUENA VISTA CITNON-METRO$331,760$424,800$513,450$638,100
CAMPBELLLYNCHBURG, VA$331,760$424,800$513,450$638,100
CAROLINENON-METRO$331,760$424,800$513,450$638,100
CARROLLNON-METRO$331,760$424,800$513,450$638,100
CHARLES CITYRICHMOND, VA$535,900$686,050$829,250$1,030,600
CHARLOTTENON-METRO$331,760$424,800$513,450$638,100
CHARLOTTESVILLECHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
CHESAPEAKE CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
CHESTERFIELDRICHMOND, VA$535,900$686,050$829,250$1,030,600
CLARKEWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
COLONIAL HEIGHTRICHMOND, VA$535,900$686,050$829,250$1,030,600
COVINGTON CITYNON-METRO$331,760$424,800$513,450$638,100
CRAIGROANOKE, VA$331,760$424,800$513,450$638,100
CULPEPERWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
CUMBERLANDNON-METRO$331,760$424,800$513,450$638,100
DANVILLE CITYDANVILLE, VA$331,760$424,800$513,450$638,100
DICKENSONNON-METRO$331,760$424,800$513,450$638,100
DINWIDDIERICHMOND, VA$535,900$686,050$829,250$1,030,600
EMPORIA CITYNON-METRO$331,760$424,800$513,450$638,100
ESSEXNON-METRO$331,760$424,800$513,450$638,100
FAIRFAXWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
FAIRFAX CITYWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
FALLS CHURCH CIWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
FAUQUIERWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
FLOYDNON-METRO$331,760$424,800$513,450$638,100
FLUVANNACHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
FRANKLINROANOKE, VA$331,760$424,800$513,450$638,100
FRANKLIN CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
FREDERICKWINCHESTER, VA-WV$331,760$424,800$513,450$638,100
FREDERICKSBURGWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
GALAX CITYNON-METRO$331,760$424,800$513,450$638,100
GILESBLACKSBURG-CHRISTIANSBURG, VA$331,760$424,800$513,450$638,100
GLOUCESTERVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
GOOCHLANDRICHMOND, VA$535,900$686,050$829,250$1,030,600
GRAYSONNON-METRO$331,760$424,800$513,450$638,100
GREENECHARLOTTESVILLE, VA$437,000$559,450$676,200$840,400
GREENSVILLENON-METRO$331,760$424,800$513,450$638,100
HALIFAXNON-METRO$331,760$424,800$513,450$638,100
HAMPTON CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
HANOVERRICHMOND, VA$535,900$686,050$829,250$1,030,600
HARRISONBURG CIHARRISONBURG, VA$331,760$424,800$513,450$638,100
HENRICORICHMOND, VA$535,900$686,050$829,250$1,030,600
HENRYMARTINSVILLE, VA$331,760$424,800$513,450$638,100
HIGHLANDNON-METRO$331,760$424,800$513,450$638,100
HOPEWELL CITYRICHMOND, VA$535,900$686,050$829,250$1,030,600
ISLE OF WIGHTVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
JAMES CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
KING AND QUEENRICHMOND, VA$535,900$686,050$829,250$1,030,600
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$331,760$424,800$513,450$638,100
LEXINGTON CITYNON-METRO$354,200$453,450$548,100$681,150
LOUDOUNWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
LOUISANON-METRO$331,760$424,800$513,450$638,100
LUNENBURGNON-METRO$331,760$424,800$513,450$638,100
LYNCHBURG CITYLYNCHBURG, VA$331,760$424,800$513,450$638,100
MADISONWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
MANASSAS CITYWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
MANASSAS PARK CWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
MARTINSVILLE CIMARTINSVILLE, VA$331,760$424,800$513,450$638,100
MATHEWSVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
MECKLENBURGNON-METRO$331,760$424,800$513,450$638,100
MIDDLESEXNON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYBLACKSBURG-CHRISTIANSBURG, VA$331,760$424,800$513,450$638,100
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-NC$458,850$587,400$710,050$882,400
NORFOLK CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
NORTHAMPTONNON-METRO$331,760$424,800$513,450$638,100
NORTHUMBERLANDNON-METRO$331,760$424,800$513,450$638,100
NORTON CITYBIG STONE GAP, VA$331,760$424,800$513,450$638,100
NOTTOWAYNON-METRO$331,760$424,800$513,450$638,100
ORANGENON-METRO$331,760$424,800$513,450$638,100
PAGENON-METRO$331,760$424,800$513,450$638,100
PATRICKNON-METRO$331,760$424,800$513,450$638,100
PETERSBURG CITYRICHMOND, VA$535,900$686,050$829,250$1,030,600
PITTSYLVANIADANVILLE, VA$331,760$424,800$513,450$638,100
POQUOSON CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
PORTSMOUTH CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
POWHATANRICHMOND, VA$535,900$686,050$829,250$1,030,600
PRINCE EDWARDNON-METRO$331,760$424,800$513,450$638,100
PRINCE GEORGERICHMOND, VA$535,900$686,050$829,250$1,030,600
PRINCE WILLIAMWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
PULASKIBLACKSBURG-CHRISTIANSBURG, VA$331,760$424,800$513,450$638,100
RADFORD CITYBLACKSBURG-CHRISTIANSBURG, VA$331,760$424,800$513,450$638,100
RAPPAHANNOCKWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
RICHMONDNON-METRO$331,760$424,800$513,450$638,100
RICHMOND CITYRICHMOND, VA$535,900$686,050$829,250$1,030,600
ROANOKEROANOKE, VA$331,760$424,800$513,450$638,100
ROANOKE CITYROANOKE, VA$331,760$424,800$513,450$638,100
ROCKBRIDGENON-METRO$331,760$424,800$513,450$638,100
ROCKINGHAMHARRISONBURG, VA$331,760$424,800$513,450$638,100
RUSSELLNON-METRO$331,760$424,800$513,450$638,100
SALEM CITYROANOKE, VA$331,760$424,800$513,450$638,100
SCOTTKINGSPORT-BRISTOL, TN-VA$331,760$424,800$513,450$638,100
SHENANDOAHNON-METRO$331,760$424,800$513,450$638,100
SMYTHNON-METRO$331,760$424,800$513,450$638,100
SOUTHAMPTONVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
SPOTSYLVANIAWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
STAFFORDWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
STAUNTON CITYSTAUNTON, VA$331,760$424,800$513,450$638,100
SUFFOLK CITYVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
SURRYNON-METRO$331,760$424,800$513,450$638,100
SUSSEXRICHMOND, VA$535,900$686,050$829,250$1,030,600
TAZEWELLBLUEFIELD, WV-VA$331,760$424,800$513,450$638,100
VIRGINIA BEACHVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
WARRENWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
WASHINGTONKINGSPORT-BRISTOL, TN-VA$331,760$424,800$513,450$638,100
WAYNESBORO CITYSTAUNTON, VA$331,760$424,800$513,450$638,100
WESTMORELANDNON-METRO$331,760$424,800$513,450$638,100
WILLIAMSBURG CIVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
WINCHESTER CITYWINCHESTER, VA-WV$331,760$424,800$513,450$638,100
WISEBIG STONE GAP, VA$331,760$424,800$513,450$638,100
WYTHENON-METRO$331,760$424,800$513,450$638,100
YORKVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$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

 

Get Your Rate Quote
Refinance     Purchase

As seen in: