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Virginia 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Virginia

Virginia has 133 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Accomack County to a high of $2,095,200 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 ($907,900)
Highest Loan Limit ($2,095,200)

† 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 $472,030 $907,900 view details »
Albemarle County $507,150 $975,300 view details »
Alleghany County $472,030 $907,900 view details »
Amelia County $546,250 $1,050,500 view details »
Amherst County $472,030 $907,900 view details »
Appomattox County $472,030 $907,900 view details »
Arlington County $1,089,300 $2,095,200 view details »
Augusta County $472,030 $907,900 view details »
Bath County $472,030 $907,900 view details »
Bedford County $472,030 $907,900 view details »
Bland County $472,030 $907,900 view details »
Botetourt County $472,030 $907,900 view details »
Brunswick County $472,030 $907,900 view details »
Buchanan County $472,030 $907,900 view details »
Buckingham County $472,030 $907,900 view details »
Campbell County $472,030 $907,900 view details »
Caroline County $472,030 $907,900 view details »
Carroll County $472,030 $907,900 view details »
Charles City County $546,250 $1,050,500 view details »
Charlotte County $472,030 $907,900 view details »
Chesterfield County $546,250 $1,050,500 view details »
Clarke County $1,089,300 $2,095,200 view details »
Craig County $472,030 $907,900 view details »
Culpeper County $1,089,300 $2,095,200 view details »
Cumberland County $472,030 $907,900 view details »
Dickenson County $472,030 $907,900 view details »
Dinwiddie County $546,250 $1,050,500 view details »
Essex County $472,030 $907,900 view details »
Fairfax County $1,089,300 $2,095,200 view details »
Fauquier County $1,089,300 $2,095,200 view details »
Floyd County $472,030 $907,900 view details »
Fluvanna County $507,150 $975,300 view details »
Franklin County $472,030 $907,900 view details »
Frederick County $472,030 $907,900 view details »
Giles County $472,030 $907,900 view details »
Gloucester County $507,150 $975,300 view details »
Goochland County $546,250 $1,050,500 view details »
Grayson County $472,030 $907,900 view details »
Greene County $507,150 $975,300 view details »
Greensville County $472,030 $907,900 view details »
Halifax County $472,030 $907,900 view details »
Hanover County $546,250 $1,050,500 view details »
Henrico County $546,250 $1,050,500 view details »
Henry County $472,030 $907,900 view details »
Highland County $472,030 $907,900 view details »
Isle Of Wight County $507,150 $975,300 view details »
James City County $507,150 $975,300 view details »
King And Queen County $546,250 $1,050,500 view details »
King George County $472,030 $907,900 view details »
King William County $546,250 $1,050,500 view details »
Lancaster County $472,030 $907,900 view details »
Lee County $472,030 $907,900 view details »
Loudoun County $1,089,300 $2,095,200 view details »
Louisa County $472,030 $907,900 view details »
Lunenburg County $472,030 $907,900 view details »
Madison County $1,089,300 $2,095,200 view details »
Mathews County $507,150 $975,300 view details »
Mecklenburg County $472,030 $907,900 view details »
Middlesex County $472,030 $907,900 view details »
Montgomery County $472,030 $907,900 view details »
Nelson County $507,150 $975,300 view details »
New Kent County $546,250 $1,050,500 view details »
Northampton County $472,030 $907,900 view details »
Northumberland County $472,030 $907,900 view details »
Nottoway County $472,030 $907,900 view details »
Orange County $472,030 $907,900 view details »
Page County $472,030 $907,900 view details »
Patrick County $472,030 $907,900 view details »
Pittsylvania County $472,030 $907,900 view details »
Powhatan County $546,250 $1,050,500 view details »
Prince Edward County $472,030 $907,900 view details »
Prince George County $546,250 $1,050,500 view details »
Prince William County $1,089,300 $2,095,200 view details »
Pulaski County $472,030 $907,900 view details »
Rappahannock County $1,089,300 $2,095,200 view details »
Richmond County $472,030 $907,900 view details »
Roanoke County $472,030 $907,900 view details »
Rockbridge County $472,030 $907,900 view details »
Rockingham County $472,030 $907,900 view details »
Russell County $472,030 $907,900 view details »
Scott County $472,030 $907,900 view details »
Shenandoah County $472,030 $907,900 view details »
Smyth County $472,030 $907,900 view details »
Southampton County $507,150 $975,300 view details »
Spotsylvania County $1,089,300 $2,095,200 view details »
Stafford County $1,089,300 $2,095,200 view details »
Surry County $472,030 $907,900 view details »
Sussex County $546,250 $1,050,500 view details »
Tazewell County $472,030 $907,900 view details »
Warren County $1,089,300 $2,095,200 view details »
Washington County $472,030 $907,900 view details »
Westmoreland County $472,030 $907,900 view details »
Wise County $472,030 $907,900 view details »
Wythe County $472,030 $907,900 view details »
York County $507,150 $975,300 view details »
Alexandria City $1,089,300 $2,095,200 view details »
Bristol City $472,030 $907,900 view details »
Buena Vista City $472,030 $907,900 view details »
Charlottesville City $507,150 $975,300 view details »
Chesapeake City $507,150 $975,300 view details »
Colonial Heights City $546,250 $1,050,500 view details »
Covington City $472,030 $907,900 view details »
Danville City $472,030 $907,900 view details »
Emporia City $472,030 $907,900 view details »
Fairfax City $1,089,300 $2,095,200 view details »
Falls Church City $1,089,300 $2,095,200 view details »
Franklin City $507,150 $975,300 view details »
Fredericksburg City $1,089,300 $2,095,200 view details »
Galax City $472,030 $907,900 view details »
Hampton City $507,150 $975,300 view details »
Harrisonburg City $472,030 $907,900 view details »
Hopewell City $546,250 $1,050,500 view details »
Lexington City $472,030 $907,900 view details »
Lynchburg City $472,030 $907,900 view details »
Manassas City $1,089,300 $2,095,200 view details »
Manassas Park City $1,089,300 $2,095,200 view details »
Martinsville City $472,030 $907,900 view details »
Newport News City $507,150 $975,300 view details »
Norfolk City $507,150 $975,300 view details »
Norton City $472,030 $907,900 view details »
Petersburg City $546,250 $1,050,500 view details »
Poquoson City $507,150 $975,300 view details »
Portsmouth City $507,150 $975,300 view details »
Radford City $472,030 $907,900 view details »
Richmond City $546,250 $1,050,500 view details »
Roanoke City $472,030 $907,900 view details »
Salem City $472,030 $907,900 view details »
Staunton City $472,030 $907,900 view details »
Suffolk City $507,150 $975,300 view details »
Virginia Beach City $507,150 $975,300 view details »
Waynesboro City $472,030 $907,900 view details »
Williamsburg City $507,150 $975,300 view details »
Winchester City $472,030 $907,900 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 2023, the maximum loan limit in Virginia is $472,030 for a single-family home and $2,095,200 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
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