Virginia 2024 FHA Loan Limits

Last Updated: Tue, January 2, 2024

Loan Limits in Virginia

Virginia has 133 counties with FHA Limits ranging from a low of $498,257 for a 1-bedroom unit in Accomack County to a high of $2,211,600 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 ($958,350)
Highest Loan Limit ($2,211,600)

† 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 $498,257 $958,350 view details »
Albemarle County $545,100 $1,048,300 view details »
Alleghany County $498,257 $958,350 view details »
Amelia County $631,350 $1,214,150 view details »
Amherst County $498,257 $958,350 view details »
Appomattox County $498,257 $958,350 view details »
Arlington County $1,149,825 $2,211,600 view details »
Augusta County $498,257 $958,350 view details »
Bath County $498,257 $958,350 view details »
Bedford County $498,257 $958,350 view details »
Bland County $498,257 $958,350 view details »
Botetourt County $498,257 $958,350 view details »
Brunswick County $498,257 $958,350 view details »
Buchanan County $498,257 $958,350 view details »
Buckingham County $498,257 $958,350 view details »
Campbell County $498,257 $958,350 view details »
Caroline County $498,257 $958,350 view details »
Carroll County $498,257 $958,350 view details »
Charles City County $631,350 $1,214,150 view details »
Charlotte County $498,257 $958,350 view details »
Chesterfield County $631,350 $1,214,150 view details »
Clarke County $1,149,825 $2,211,600 view details »
Craig County $498,257 $958,350 view details »
Culpeper County $1,149,825 $2,211,600 view details »
Cumberland County $498,257 $958,350 view details »
Dickenson County $498,257 $958,350 view details »
Dinwiddie County $631,350 $1,214,150 view details »
Essex County $498,257 $958,350 view details »
Fairfax County $1,149,825 $2,211,600 view details »
Fauquier County $1,149,825 $2,211,600 view details »
Floyd County $498,257 $958,350 view details »
Fluvanna County $545,100 $1,048,300 view details »
Franklin County $498,257 $958,350 view details »
Frederick County $498,257 $958,350 view details »
Giles County $498,257 $958,350 view details »
Gloucester County $690,000 $1,326,950 view details »
Goochland County $631,350 $1,214,150 view details »
Grayson County $498,257 $958,350 view details »
Greene County $545,100 $1,048,300 view details »
Greensville County $498,257 $958,350 view details »
Halifax County $498,257 $958,350 view details »
Hanover County $631,350 $1,214,150 view details »
Henrico County $631,350 $1,214,150 view details »
Henry County $498,257 $958,350 view details »
Highland County $498,257 $958,350 view details »
Isle Of Wight County $690,000 $1,326,950 view details »
James City County $690,000 $1,326,950 view details »
King And Queen County $631,350 $1,214,150 view details »
King George County $498,257 $958,350 view details »
King William County $631,350 $1,214,150 view details »
Lancaster County $498,257 $958,350 view details »
Lee County $498,257 $958,350 view details »
Loudoun County $1,149,825 $2,211,600 view details »
Louisa County $498,257 $958,350 view details »
Lunenburg County $498,257 $958,350 view details »
Madison County $1,149,825 $2,211,600 view details »
Mathews County $690,000 $1,326,950 view details »
Mecklenburg County $498,257 $958,350 view details »
Middlesex County $498,257 $958,350 view details »
Montgomery County $498,257 $958,350 view details »
Nelson County $545,100 $1,048,300 view details »
New Kent County $631,350 $1,214,150 view details »
Northampton County $498,257 $958,350 view details »
Northumberland County $498,257 $958,350 view details »
Nottoway County $498,257 $958,350 view details »
Orange County $498,257 $958,350 view details »
Page County $498,257 $958,350 view details »
Patrick County $498,257 $958,350 view details »
Pittsylvania County $498,257 $958,350 view details »
Powhatan County $631,350 $1,214,150 view details »
Prince Edward County $498,257 $958,350 view details »
Prince George County $631,350 $1,214,150 view details »
Prince William County $1,149,825 $2,211,600 view details »
Pulaski County $498,257 $958,350 view details »
Rappahannock County $1,149,825 $2,211,600 view details »
Richmond County $498,257 $958,350 view details »
Roanoke County $498,257 $958,350 view details »
Rockbridge County $498,257 $958,350 view details »
Rockingham County $498,257 $958,350 view details »
Russell County $498,257 $958,350 view details »
Scott County $498,257 $958,350 view details »
Shenandoah County $498,257 $958,350 view details »
Smyth County $498,257 $958,350 view details »
Southampton County $690,000 $1,326,950 view details »
Spotsylvania County $1,149,825 $2,211,600 view details »
Stafford County $1,149,825 $2,211,600 view details »
Surry County $498,257 $958,350 view details »
Sussex County $631,350 $1,214,150 view details »
Tazewell County $498,257 $958,350 view details »
Warren County $1,149,825 $2,211,600 view details »
Washington County $498,257 $958,350 view details »
Westmoreland County $498,257 $958,350 view details »
Wise County $498,257 $958,350 view details »
Wythe County $498,257 $958,350 view details »
York County $690,000 $1,326,950 view details »
Alexandria City $1,149,825 $2,211,600 view details »
Bristol City $498,257 $958,350 view details »
Buena Vista City $498,257 $958,350 view details »
Charlottesville City $545,100 $1,048,300 view details »
Chesapeake City $690,000 $1,326,950 view details »
Colonial Heights City $631,350 $1,214,150 view details »
Covington City $498,257 $958,350 view details »
Danville City $498,257 $958,350 view details »
Emporia City $498,257 $958,350 view details »
Fairfax City $1,149,825 $2,211,600 view details »
Falls Church City $1,149,825 $2,211,600 view details »
Franklin City $690,000 $1,326,950 view details »
Fredericksburg City $1,149,825 $2,211,600 view details »
Galax City $498,257 $958,350 view details »
Hampton City $690,000 $1,326,950 view details »
Harrisonburg City $498,257 $958,350 view details »
Hopewell City $631,350 $1,214,150 view details »
Lexington City $498,257 $958,350 view details »
Lynchburg City $498,257 $958,350 view details »
Manassas City $1,149,825 $2,211,600 view details »
Manassas Park City $1,149,825 $2,211,600 view details »
Martinsville City $498,257 $958,350 view details »
Newport News City $690,000 $1,326,950 view details »
Norfolk City $690,000 $1,326,950 view details »
Norton City $498,257 $958,350 view details »
Petersburg City $631,350 $1,214,150 view details »
Poquoson City $690,000 $1,326,950 view details »
Portsmouth City $690,000 $1,326,950 view details »
Radford City $498,257 $958,350 view details »
Richmond City $631,350 $1,214,150 view details »
Roanoke City $498,257 $958,350 view details »
Salem City $498,257 $958,350 view details »
Staunton City $498,257 $958,350 view details »
Suffolk City $690,000 $1,326,950 view details »
Virginia Beach City $690,000 $1,326,950 view details »
Waynesboro City $498,257 $958,350 view details »
Williamsburg City $690,000 $1,326,950 view details »
Winchester City $498,257 $958,350 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 2024, the maximum loan limit in Virginia is $498,257 for a single-family home and $2,211,600 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