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.

Virginia 2023 FHA Loan Limits

Loan Limits in Virginia

Loan Limits by County in Virginia (133 counties)

How to qualify for an FHA Loan in Virginia?

RELATED LINKS