Virginia 2023 FHA Loan Limits
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.
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)
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.