Virginia 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Virginia

Virginia has 133 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Accomack County to a high of $1,581,750 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 ($685,400)
Highest Loan Limit ($1,581,750)

† 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 $356,362 $685,400 view details »
Albemarle County $437,000 $840,400 view details »
Alleghany County $356,362 $685,400 view details »
Amelia County $535,900 $1,030,600 view details »
Amherst County $356,362 $685,400 view details »
Appomattox County $356,362 $685,400 view details »
Arlington County $822,375 $1,581,750 view details »
Augusta County $356,362 $685,400 view details »
Bath County $356,362 $685,400 view details »
Bedford County $356,362 $685,400 view details »
Bland County $356,362 $685,400 view details »
Botetourt County $356,362 $685,400 view details »
Brunswick County $356,362 $685,400 view details »
Buchanan County $356,362 $685,400 view details »
Buckingham County $356,362 $685,400 view details »
Campbell County $356,362 $685,400 view details »
Caroline County $356,362 $685,400 view details »
Carroll County $356,362 $685,400 view details »
Charles City County $535,900 $1,030,600 view details »
Charlotte County $356,362 $685,400 view details »
Chesterfield County $535,900 $1,030,600 view details »
Clarke County $822,375 $1,581,750 view details »
Craig County $356,362 $685,400 view details »
Culpeper County $822,375 $1,581,750 view details »
Cumberland County $356,362 $685,400 view details »
Dickenson County $356,362 $685,400 view details »
Dinwiddie County $535,900 $1,030,600 view details »
Essex County $356,362 $685,400 view details »
Fairfax County $822,375 $1,581,750 view details »
Fauquier County $822,375 $1,581,750 view details »
Floyd County $356,362 $685,400 view details »
Fluvanna County $437,000 $840,400 view details »
Franklin County $356,362 $685,400 view details »
Frederick County $356,362 $685,400 view details »
Giles County $356,362 $685,400 view details »
Gloucester County $458,850 $882,400 view details »
Goochland County $535,900 $1,030,600 view details »
Grayson County $356,362 $685,400 view details »
Greene County $437,000 $840,400 view details »
Greensville County $356,362 $685,400 view details »
Halifax County $356,362 $685,400 view details »
Hanover County $535,900 $1,030,600 view details »
Henrico County $535,900 $1,030,600 view details »
Henry County $356,362 $685,400 view details »
Highland County $356,362 $685,400 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 $358,800 $690,000 view details »
King William County $535,900 $1,030,600 view details »
Lancaster County $442,750 $851,450 view details »
Lee County $356,362 $685,400 view details »
Loudoun County $822,375 $1,581,750 view details »
Louisa County $356,362 $685,400 view details »
Lunenburg County $356,362 $685,400 view details »
Madison County $822,375 $1,581,750 view details »
Mathews County $458,850 $882,400 view details »
Mecklenburg County $356,362 $685,400 view details »
Middlesex County $356,362 $685,400 view details »
Montgomery County $356,362 $685,400 view details »
Nelson County $437,000 $840,400 view details »
New Kent County $535,900 $1,030,600 view details »
Northampton County $356,362 $685,400 view details »
Northumberland County $356,362 $685,400 view details »
Nottoway County $356,362 $685,400 view details »
Orange County $356,362 $685,400 view details »
Page County $356,362 $685,400 view details »
Patrick County $356,362 $685,400 view details »
Pittsylvania County $356,362 $685,400 view details »
Powhatan County $535,900 $1,030,600 view details »
Prince Edward County $356,362 $685,400 view details »
Prince George County $535,900 $1,030,600 view details »
Prince William County $822,375 $1,581,750 view details »
Pulaski County $356,362 $685,400 view details »
Rappahannock County $822,375 $1,581,750 view details »
Richmond County $356,362 $685,400 view details »
Roanoke County $356,362 $685,400 view details »
Rockbridge County $356,362 $685,400 view details »
Rockingham County $356,362 $685,400 view details »
Russell County $356,362 $685,400 view details »
Scott County $356,362 $685,400 view details »
Shenandoah County $356,362 $685,400 view details »
Smyth County $356,362 $685,400 view details »
Southampton County $458,850 $882,400 view details »
Spotsylvania County $822,375 $1,581,750 view details »
Stafford County $822,375 $1,581,750 view details »
Surry County $356,362 $685,400 view details »
Sussex County $535,900 $1,030,600 view details »
Tazewell County $356,362 $685,400 view details »
Warren County $822,375 $1,581,750 view details »
Washington County $356,362 $685,400 view details »
Westmoreland County $356,362 $685,400 view details »
Wise County $356,362 $685,400 view details »
Wythe County $356,362 $685,400 view details »
York County $458,850 $882,400 view details »
Alexandria City $822,375 $1,581,750 view details »
Bristol City $356,362 $685,400 view details »
Buena Vista City $356,362 $685,400 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 $356,362 $685,400 view details »
Danville City $356,362 $685,400 view details »
Emporia City $356,362 $685,400 view details »
Fairfax City $822,375 $1,581,750 view details »
Falls Church City $822,375 $1,581,750 view details »
Franklin City $458,850 $882,400 view details »
Fredericksburg City $822,375 $1,581,750 view details »
Galax City $356,362 $685,400 view details »
Hampton City $458,850 $882,400 view details »
Harrisonburg City $356,362 $685,400 view details »
Hopewell City $535,900 $1,030,600 view details »
Lexington City $356,362 $685,400 view details »
Lynchburg City $356,362 $685,400 view details »
Manassas City $822,375 $1,581,750 view details »
Manassas Park City $822,375 $1,581,750 view details »
Martinsville City $356,362 $685,400 view details »
Newport News City $458,850 $882,400 view details »
Norfolk City $458,850 $882,400 view details »
Norton City $356,362 $685,400 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 $356,362 $685,400 view details »
Richmond City $535,900 $1,030,600 view details »
Roanoke City $356,362 $685,400 view details »
Salem City $356,362 $685,400 view details »
Staunton City $356,362 $685,400 view details »
Suffolk City $458,850 $882,400 view details »
Virginia Beach City $458,850 $882,400 view details »
Waynesboro City $356,362 $685,400 view details »
Williamsburg City $458,850 $882,400 view details »
Winchester City $356,362 $685,400 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 2021, the maximum loan limit in Virginia is $356,362 for a single-family home and $1,581,750 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