Virginia 2020 FHA Loan Limits

Last Updated: Tue, August 18, 2020

Loan Limits in Virginia

Virginia has 133 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Accomack County to a high of $1,472,550 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 ($638,100)
Highest Loan Limit ($1,472,550)

† 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 $331,760 $638,100 view details »
Albemarle County $437,000 $840,400 view details »
Alleghany County $331,760 $638,100 view details »
Amelia County $535,900 $1,030,600 view details »
Amherst County $331,760 $638,100 view details »
Appomattox County $331,760 $638,100 view details »
Arlington County $765,600 $1,472,550 view details »
Augusta County $331,760 $638,100 view details »
Bath County $331,760 $638,100 view details »
Bedford County $331,760 $638,100 view details »
Bland County $331,760 $638,100 view details »
Botetourt County $331,760 $638,100 view details »
Brunswick County $331,760 $638,100 view details »
Buchanan County $331,760 $638,100 view details »
Buckingham County $331,760 $638,100 view details »
Campbell County $331,760 $638,100 view details »
Caroline County $331,760 $638,100 view details »
Carroll County $331,760 $638,100 view details »
Charles City County $535,900 $1,030,600 view details »
Charlotte County $331,760 $638,100 view details »
Chesterfield County $535,900 $1,030,600 view details »
Clarke County $765,600 $1,472,550 view details »
Craig County $331,760 $638,100 view details »
Culpeper County $765,600 $1,472,550 view details »
Cumberland County $331,760 $638,100 view details »
Dickenson County $331,760 $638,100 view details »
Dinwiddie County $535,900 $1,030,600 view details »
Essex County $331,760 $638,100 view details »
Fairfax County $765,600 $1,472,550 view details »
Fauquier County $765,600 $1,472,550 view details »
Floyd County $331,760 $638,100 view details »
Fluvanna County $437,000 $840,400 view details »
Franklin County $331,760 $638,100 view details »
Frederick County $331,760 $638,100 view details »
Giles County $331,760 $638,100 view details »
Gloucester County $458,850 $882,400 view details »
Goochland County $535,900 $1,030,600 view details »
Grayson County $331,760 $638,100 view details »
Greene County $437,000 $840,400 view details »
Greensville County $331,760 $638,100 view details »
Halifax County $331,760 $638,100 view details »
Hanover County $535,900 $1,030,600 view details »
Henrico County $535,900 $1,030,600 view details »
Henry County $331,760 $638,100 view details »
Highland County $331,760 $638,100 view details »
Isle Of Wight County $458,850 $882,400 view details »
James City County $458,850 $882,400 view details »
King And Queen County $535,900 $1,030,600 view details »
King George County $350,750 $674,500 view details »
King William County $535,900 $1,030,600 view details »
Lancaster County $442,750 $851,450 view details »
Lee County $331,760 $638,100 view details »
Loudoun County $765,600 $1,472,550 view details »
Louisa County $331,760 $638,100 view details »
Lunenburg County $331,760 $638,100 view details »
Madison County $765,600 $1,472,550 view details »
Mathews County $458,850 $882,400 view details »
Mecklenburg County $331,760 $638,100 view details »
Middlesex County $331,760 $638,100 view details »
Montgomery County $331,760 $638,100 view details »
Nelson County $437,000 $840,400 view details »
New Kent County $535,900 $1,030,600 view details »
Northampton County $331,760 $638,100 view details »
Northumberland County $331,760 $638,100 view details »
Nottoway County $331,760 $638,100 view details »
Orange County $331,760 $638,100 view details »
Page County $331,760 $638,100 view details »
Patrick County $331,760 $638,100 view details »
Pittsylvania County $331,760 $638,100 view details »
Powhatan County $535,900 $1,030,600 view details »
Prince Edward County $331,760 $638,100 view details »
Prince George County $535,900 $1,030,600 view details »
Prince William County $765,600 $1,472,550 view details »
Pulaski County $331,760 $638,100 view details »
Rappahannock County $765,600 $1,472,550 view details »
Richmond County $331,760 $638,100 view details »
Roanoke County $331,760 $638,100 view details »
Rockbridge County $331,760 $638,100 view details »
Rockingham County $331,760 $638,100 view details »
Russell County $331,760 $638,100 view details »
Scott County $331,760 $638,100 view details »
Shenandoah County $331,760 $638,100 view details »
Smyth County $331,760 $638,100 view details »
Southampton County $458,850 $882,400 view details »
Spotsylvania County $765,600 $1,472,550 view details »
Stafford County $765,600 $1,472,550 view details »
Surry County $331,760 $638,100 view details »
Sussex County $535,900 $1,030,600 view details »
Tazewell County $331,760 $638,100 view details »
Warren County $765,600 $1,472,550 view details »
Washington County $331,760 $638,100 view details »
Westmoreland County $331,760 $638,100 view details »
Wise County $331,760 $638,100 view details »
Wythe County $331,760 $638,100 view details »
York County $458,850 $882,400 view details »
Alexandria City $765,600 $1,472,550 view details »
Bristol City $331,760 $638,100 view details »
Buena Vista City $331,760 $638,100 view details »
Charlottesville City $437,000 $840,400 view details »
Chesapeake City $458,850 $882,400 view details »
Colonial Heights City $535,900 $1,030,600 view details »
Covington City $331,760 $638,100 view details »
Danville City $331,760 $638,100 view details »
Emporia City $331,760 $638,100 view details »
Fairfax City $765,600 $1,472,550 view details »
Falls Church City $765,600 $1,472,550 view details »
Franklin City $458,850 $882,400 view details »
Fredericksburg City $765,600 $1,472,550 view details »
Galax City $331,760 $638,100 view details »
Hampton City $458,850 $882,400 view details »
Harrisonburg City $331,760 $638,100 view details »
Hopewell City $535,900 $1,030,600 view details »
Lexington City $354,200 $681,150 view details »
Lynchburg City $331,760 $638,100 view details »
Manassas City $765,600 $1,472,550 view details »
Manassas Park City $765,600 $1,472,550 view details »
Martinsville City $331,760 $638,100 view details »
Newport News City $458,850 $882,400 view details »
Norfolk City $458,850 $882,400 view details »
Norton City $331,760 $638,100 view details »
Petersburg City $535,900 $1,030,600 view details »
Poquoson City $458,850 $882,400 view details »
Portsmouth City $458,850 $882,400 view details »
Radford City $331,760 $638,100 view details »
Richmond City $535,900 $1,030,600 view details »
Roanoke City $331,760 $638,100 view details »
Salem City $331,760 $638,100 view details »
Staunton City $331,760 $638,100 view details »
Suffolk City $458,850 $882,400 view details »
Virginia Beach City $458,850 $882,400 view details »
Waynesboro City $331,760 $638,100 view details »
Williamsburg City $458,850 $882,400 view details »
Winchester City $331,760 $638,100 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 2020, the maximum loan limit in Virginia is $331,760 for a single-family home and $1,472,550 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.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/virginia