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Virgin Islands 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Virgin Islands

Virgin Islands has 3 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in St. Croix Island to a high of $1,851,100 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.

Lowest Loan Limit ($907,900)
Highest Loan Limit ($1,851,100)

† 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 $472,030 $907,900 view details »
St. John Island $962,550 $1,851,100 view details »
St. Thomas Island $581,900 $1,119,050 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 2023, the maximum loan limit in Virgin Islands is $472,030 for a single-family home and $1,851,100 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.

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