Virginia 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Virginia

Virginia has 133 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Accomack County to a high of $2,326,875 for a 4-bedroom unit in Arlington County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Virginia's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($2,326,875)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Virginia (133 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Accomack County	$524,225	$1,008,300	view details »
Albemarle County	$592,250	$1,138,950	view details »
Alleghany County	$524,225	$1,008,300	view details »
Amelia County	$673,900	$1,296,000	view details »
Amherst County	$524,225	$1,008,300	view details »
Appomattox County	$524,225	$1,008,300	view details »
Arlington County	$1,209,750	$2,326,875	view details »
Augusta County	$524,225	$1,008,300	view details »
Bath County	$524,225	$1,008,300	view details »
Bedford County	$524,225	$1,008,300	view details »
Bland County	$524,225	$1,008,300	view details »
Botetourt County	$524,225	$1,008,300	view details »
Brunswick County	$524,225	$1,008,300	view details »
Buchanan County	$524,225	$1,008,300	view details »
Buckingham County	$524,225	$1,008,300	view details »
Campbell County	$524,225	$1,008,300	view details »
Caroline County	$524,225	$1,008,300	view details »
Carroll County	$524,225	$1,008,300	view details »
Charles City County	$673,900	$1,296,000	view details »
Charlotte County	$524,225	$1,008,300	view details »
Chesterfield County	$673,900	$1,296,000	view details »
Clarke County	$1,209,750	$2,326,875	view details »
Craig County	$524,225	$1,008,300	view details »
Culpeper County	$1,209,750	$2,326,875	view details »
Cumberland County	$524,225	$1,008,300	view details »
Dickenson County	$524,225	$1,008,300	view details »
Dinwiddie County	$673,900	$1,296,000	view details »
Essex County	$524,225	$1,008,300	view details »
Fairfax County	$1,209,750	$2,326,875	view details »
Fauquier County	$1,209,750	$2,326,875	view details »
Floyd County	$524,225	$1,008,300	view details »
Fluvanna County	$592,250	$1,138,950	view details »
Franklin County	$524,225	$1,008,300	view details »
Frederick County	$524,225	$1,008,300	view details »
Giles County	$524,225	$1,008,300	view details »
Gloucester County	$757,850	$1,457,450	view details »
Goochland County	$673,900	$1,296,000	view details »
Grayson County	$524,225	$1,008,300	view details »
Greene County	$592,250	$1,138,950	view details »
Greensville County	$524,225	$1,008,300	view details »
Halifax County	$524,225	$1,008,300	view details »
Hanover County	$673,900	$1,296,000	view details »
Henrico County	$673,900	$1,296,000	view details »
Henry County	$524,225	$1,008,300	view details »
Highland County	$524,225	$1,008,300	view details »
Isle Of Wight County	$757,850	$1,457,450	view details »
James City County	$757,850	$1,457,450	view details »
King And Queen County	$673,900	$1,296,000	view details »
King George County	$524,225	$1,008,300	view details »
King William County	$673,900	$1,296,000	view details »
Lancaster County	$524,225	$1,008,300	view details »
Lee County	$524,225	$1,008,300	view details »
Loudoun County	$1,209,750	$2,326,875	view details »
Louisa County	$524,225	$1,008,300	view details »
Lunenburg County	$524,225	$1,008,300	view details »
Madison County	$1,209,750	$2,326,875	view details »
Mathews County	$757,850	$1,457,450	view details »
Mecklenburg County	$524,225	$1,008,300	view details »
Middlesex County	$524,225	$1,008,300	view details »
Montgomery County	$524,225	$1,008,300	view details »
Nelson County	$592,250	$1,138,950	view details »
New Kent County	$673,900	$1,296,000	view details »
Northampton County	$524,225	$1,008,300	view details »
Northumberland County	$524,225	$1,008,300	view details »
Nottoway County	$524,225	$1,008,300	view details »
Orange County	$524,225	$1,008,300	view details »
Page County	$524,225	$1,008,300	view details »
Patrick County	$524,225	$1,008,300	view details »
Pittsylvania County	$524,225	$1,008,300	view details »
Powhatan County	$673,900	$1,296,000	view details »
Prince Edward County	$524,225	$1,008,300	view details »
Prince George County	$673,900	$1,296,000	view details »
Prince William County	$1,209,750	$2,326,875	view details »
Pulaski County	$524,225	$1,008,300	view details »
Rappahannock County	$1,209,750	$2,326,875	view details »
Richmond County	$524,225	$1,008,300	view details »
Roanoke County	$524,225	$1,008,300	view details »
Rockbridge County	$524,225	$1,008,300	view details »
Rockingham County	$524,225	$1,008,300	view details »
Russell County	$524,225	$1,008,300	view details »
Scott County	$524,225	$1,008,300	view details »
Shenandoah County	$524,225	$1,008,300	view details »
Smyth County	$524,225	$1,008,300	view details »
Southampton County	$757,850	$1,457,450	view details »
Spotsylvania County	$1,209,750	$2,326,875	view details »
Stafford County	$1,209,750	$2,326,875	view details »
Surry County	$524,225	$1,008,300	view details »
Sussex County	$673,900	$1,296,000	view details »
Tazewell County	$524,225	$1,008,300	view details »
Warren County	$1,209,750	$2,326,875	view details »
Washington County	$524,225	$1,008,300	view details »
Westmoreland County	$524,225	$1,008,300	view details »
Wise County	$524,225	$1,008,300	view details »
Wythe County	$524,225	$1,008,300	view details »
York County	$757,850	$1,457,450	view details »
Alexandria City	$1,209,750	$2,326,875	view details »
Bristol City	$524,225	$1,008,300	view details »
Buena Vista City	$524,225	$1,008,300	view details »
Charlottesville City	$592,250	$1,138,950	view details »
Chesapeake City	$757,850	$1,457,450	view details »
Colonial Heights City	$673,900	$1,296,000	view details »
Covington City	$524,225	$1,008,300	view details »
Danville City	$524,225	$1,008,300	view details »
Emporia City	$524,225	$1,008,300	view details »
Fairfax City	$1,209,750	$2,326,875	view details »
Falls Church City	$1,209,750	$2,326,875	view details »
Franklin City	$757,850	$1,457,450	view details »
Fredericksburg City	$1,209,750	$2,326,875	view details »
Galax City	$524,225	$1,008,300	view details »
Hampton City	$757,850	$1,457,450	view details »
Harrisonburg City	$524,225	$1,008,300	view details »
Hopewell City	$673,900	$1,296,000	view details »
Lexington City	$524,225	$1,008,300	view details »
Lynchburg City	$524,225	$1,008,300	view details »
Manassas City	$1,209,750	$2,326,875	view details »
Manassas Park City	$1,209,750	$2,326,875	view details »
Martinsville City	$524,225	$1,008,300	view details »
Newport News City	$757,850	$1,457,450	view details »
Norfolk City	$757,850	$1,457,450	view details »
Norton City	$524,225	$1,008,300	view details »
Petersburg City	$673,900	$1,296,000	view details »
Poquoson City	$757,850	$1,457,450	view details »
Portsmouth City	$757,850	$1,457,450	view details »
Radford City	$524,225	$1,008,300	view details »
Richmond City	$673,900	$1,296,000	view details »
Roanoke City	$524,225	$1,008,300	view details »
Salem City	$524,225	$1,008,300	view details »
Staunton City	$524,225	$1,008,300	view details »
Suffolk City	$757,850	$1,457,450	view details »
Virginia Beach City	$757,850	$1,457,450	view details »
Waynesboro City	$524,225	$1,008,300	view details »
Williamsburg City	$757,850	$1,457,450	view details »
Winchester City	$524,225	$1,008,300	view details »

How to qualify for an FHA Loan in Virginia?

To qualify for an FHA loan in Virginia, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Virginia is $524,225 for a single-family home and $2,326,875 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 Virginia. Additional restricts apply. Click on the Virginia map above or the table below to see loan limits in your area.

Virginia 2025 FHA Loan Limits

Loan Limits in Virginia

Loan Limits by County in Virginia (133 counties)

How to qualify for an FHA Loan in Virginia?

RELATED LINKS