Virginia 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Virginia

Virginia has 133 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Accomack County to a high of $1,867,275 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 ($809,150)
Highest Loan Limit ($1,867,275)

† 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 $420,680 $809,150 view details »
Albemarle County $460,000 $884,600 view details »
Alleghany County $420,680 $809,150 view details »
Amelia County $535,900 $1,030,600 view details »
Amherst County $420,680 $809,150 view details »
Appomattox County $420,680 $809,150 view details »
Arlington County $970,800 $1,867,275 view details »
Augusta County $420,680 $809,150 view details »
Bath County $420,680 $809,150 view details »
Bedford County $420,680 $809,150 view details »
Bland County $420,680 $809,150 view details »
Botetourt County $420,680 $809,150 view details »
Brunswick County $420,680 $809,150 view details »
Buchanan County $420,680 $809,150 view details »
Buckingham County $420,680 $809,150 view details »
Campbell County $420,680 $809,150 view details »
Caroline County $420,680 $809,150 view details »
Carroll County $420,680 $809,150 view details »
Charles City County $535,900 $1,030,600 view details »
Charlotte County $420,680 $809,150 view details »
Chesterfield County $535,900 $1,030,600 view details »
Clarke County $970,800 $1,867,275 view details »
Craig County $420,680 $809,150 view details »
Culpeper County $970,800 $1,867,275 view details »
Cumberland County $420,680 $809,150 view details »
Dickenson County $420,680 $809,150 view details »
Dinwiddie County $535,900 $1,030,600 view details »
Essex County $420,680 $809,150 view details »
Fairfax County $970,800 $1,867,275 view details »
Fauquier County $970,800 $1,867,275 view details »
Floyd County $420,680 $809,150 view details »
Fluvanna County $460,000 $884,600 view details »
Franklin County $420,680 $809,150 view details »
Frederick County $420,680 $809,150 view details »
Giles County $420,680 $809,150 view details »
Gloucester County $488,750 $939,900 view details »
Goochland County $535,900 $1,030,600 view details »
Grayson County $420,680 $809,150 view details »
Greene County $460,000 $884,600 view details »
Greensville County $420,680 $809,150 view details »
Halifax County $420,680 $809,150 view details »
Hanover County $535,900 $1,030,600 view details »
Henrico County $535,900 $1,030,600 view details »
Henry County $420,680 $809,150 view details »
Highland County $420,680 $809,150 view details »
Isle Of Wight County $488,750 $939,900 view details »
James City County $488,750 $939,900 view details »
King And Queen County $535,900 $1,030,600 view details »
King George County $420,680 $809,150 view details »
King William County $535,900 $1,030,600 view details »
Lancaster County $442,750 $851,450 view details »
Lee County $420,680 $809,150 view details »
Loudoun County $970,800 $1,867,275 view details »
Louisa County $420,680 $809,150 view details »
Lunenburg County $420,680 $809,150 view details »
Madison County $970,800 $1,867,275 view details »
Mathews County $488,750 $939,900 view details »
Mecklenburg County $420,680 $809,150 view details »
Middlesex County $420,680 $809,150 view details »
Montgomery County $420,680 $809,150 view details »
Nelson County $460,000 $884,600 view details »
New Kent County $535,900 $1,030,600 view details »
Northampton County $420,680 $809,150 view details »
Northumberland County $420,680 $809,150 view details »
Nottoway County $420,680 $809,150 view details »
Orange County $420,680 $809,150 view details »
Page County $420,680 $809,150 view details »
Patrick County $420,680 $809,150 view details »
Pittsylvania County $420,680 $809,150 view details »
Powhatan County $535,900 $1,030,600 view details »
Prince Edward County $420,680 $809,150 view details »
Prince George County $535,900 $1,030,600 view details »
Prince William County $970,800 $1,867,275 view details »
Pulaski County $420,680 $809,150 view details »
Rappahannock County $970,800 $1,867,275 view details »
Richmond County $420,680 $809,150 view details »
Roanoke County $420,680 $809,150 view details »
Rockbridge County $420,680 $809,150 view details »
Rockingham County $420,680 $809,150 view details »
Russell County $420,680 $809,150 view details »
Scott County $420,680 $809,150 view details »
Shenandoah County $420,680 $809,150 view details »
Smyth County $420,680 $809,150 view details »
Southampton County $488,750 $939,900 view details »
Spotsylvania County $970,800 $1,867,275 view details »
Stafford County $970,800 $1,867,275 view details »
Surry County $420,680 $809,150 view details »
Sussex County $535,900 $1,030,600 view details »
Tazewell County $420,680 $809,150 view details »
Warren County $970,800 $1,867,275 view details »
Washington County $420,680 $809,150 view details »
Westmoreland County $420,680 $809,150 view details »
Wise County $420,680 $809,150 view details »
Wythe County $420,680 $809,150 view details »
York County $488,750 $939,900 view details »
Alexandria City $970,800 $1,867,275 view details »
Bristol City $420,680 $809,150 view details »
Buena Vista City $420,680 $809,150 view details »
Charlottesville City $460,000 $884,600 view details »
Chesapeake City $488,750 $939,900 view details »
Colonial Heights City $535,900 $1,030,600 view details »
Covington City $420,680 $809,150 view details »
Danville City $420,680 $809,150 view details »
Emporia City $420,680 $809,150 view details »
Fairfax City $970,800 $1,867,275 view details »
Falls Church City $970,800 $1,867,275 view details »
Franklin City $488,750 $939,900 view details »
Fredericksburg City $970,800 $1,867,275 view details »
Galax City $420,680 $809,150 view details »
Hampton City $488,750 $939,900 view details »
Harrisonburg City $420,680 $809,150 view details »
Hopewell City $535,900 $1,030,600 view details »
Lexington City $420,680 $809,150 view details »
Lynchburg City $420,680 $809,150 view details »
Manassas City $970,800 $1,867,275 view details »
Manassas Park City $970,800 $1,867,275 view details »
Martinsville City $420,680 $809,150 view details »
Newport News City $488,750 $939,900 view details »
Norfolk City $488,750 $939,900 view details »
Norton City $420,680 $809,150 view details »
Petersburg City $535,900 $1,030,600 view details »
Poquoson City $488,750 $939,900 view details »
Portsmouth City $488,750 $939,900 view details »
Radford City $420,680 $809,150 view details »
Richmond City $535,900 $1,030,600 view details »
Roanoke City $420,680 $809,150 view details »
Salem City $420,680 $809,150 view details »
Staunton City $420,680 $809,150 view details »
Suffolk City $488,750 $939,900 view details »
Virginia Beach City $488,750 $939,900 view details »
Waynesboro City $420,680 $809,150 view details »
Williamsburg City $488,750 $939,900 view details »
Winchester City $420,680 $809,150 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 2022, the maximum loan limit in Virginia is $420,680 for a single-family home and $1,867,275 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