Virgin Islands 2025 FHA Loan Limits
Loan Limits in Virgin Islands
Virgin Islands has 3 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in St. Croix Island to a high of $2,143,050 for a 4-bedroom unit in St. John Island.
For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Virgin Islands's counties, choose the county from the interactive map or the list below.
Highest Loan Limit ($2,143,050)
† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.
Loan Limits by County in Virgin Islands (3 counties)
| County | Single Unit Limit (lowest) | Four-Plex Limit (highest) | |
|---|---|---|---|
| St. Croix Island | $524,225 | $1,008,300 | view details » |
| St. John Island | $1,114,350 | $2,143,050 | view details » |
| St. Thomas Island | $672,750 | $1,293,750 | view details » |
How to qualify for an FHA Loan in Virgin Islands?
To qualify for an FHA loan in Virgin Islands, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Virgin Islands is $524,225 for a single-family home and $2,143,050 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.
Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Virgin Islands. Additional restricts apply. Click on the Virgin Islands map above or the table below to see loan limits in your area.