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2026 FHA Loan Limits in Virginia
Loans backed by the Federal Housing Administration (FHA loans) are popular with homebuyers due to their flexible credit requirements — but the amount you can borrow depends on the loan limits in your area. FHA loan limits vary by county and range from $541,287 to as high as $1,249,125 for single-family homes in Virginia.
Explore the requirements in your area, and learn more about how to apply for an FHA loan below.
Virginia FHA loan limits by county
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| ACCOMACK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| ALBEMARLE COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 | $520,000 |
| ALEXANDRIA CITY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| ALLEGHANY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| AMELIA COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| AMHERST COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $311,000 |
| APPOMATTOX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $311,000 |
| ARLINGTON COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| AUGUSTA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $333,000 |
| BATH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| BEDFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $311,000 |
| BLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $105,000 |
| BOTETOURT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| BRISTOL CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $254,000 |
| BRUNSWICK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| BUCHANAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $70,000 |
| BUCKINGHAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $261,000 |
| BUENA VISTA CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $178,000 |
| CAMPBELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $311,000 |
| CAROLINE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $340,000 |
| CARROLL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| CHARLES CITY COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| CHARLOTTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $108,000 |
| CHARLOTTESVILLE | $598,000 | $765,550 | $925,350 | $1,150,000 | $520,000 |
| CHESAPEAKE CITY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| CHESTERFIELD COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| CLARKE COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| COLONIAL HEIGHTS | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| COVINGTON CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $73,000 |
| CRAIG COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| CULPEPER COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| CUMBERLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $300,000 |
| DANVILLE CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $119,000 |
| DICKENSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $55,000 |
| DINWIDDIE COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| EMPORIA CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $179,000 |
| ESSEX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| FAIRFAX CITY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| FAIRFAX COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| FALLS CHURCH CITY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| FAUQUIER COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| FLOYD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| FLUVANNA COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 | $520,000 |
| FRANKLIN CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $255,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| FREDERICK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $420,000 |
| FREDERICKSBURG | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| GALAX CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $173,000 |
| GILES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| GLOUCESTER COUNTY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| GOOCHLAND COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| GRAYSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| GREENE COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 | $520,000 |
| GREENSVILLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $217,000 |
| HALIFAX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $96,000 |
| HAMPTON CITY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| HANOVER COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| HARRISONBURG CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| HENRICO COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| HENRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| HIGHLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| HOPEWELL CITY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| ISLE OF WIGHT COUNTY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| JAMES CITY COUNTY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| KING AND QUEEN COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| KING GEORGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $435,000 |
| KING WILLIAM COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| LANCASTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $228,000 |
| LEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $78,000 |
| LEXINGTON CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $349,000 |
| LOUDOUN COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| LOUISA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $375,000 |
| LUNENBURG COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| LYNCHBURG CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $311,000 |
| MADISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| MANASSAS CITY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| MANASSAS PARK CITY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| MARTINSVILLE CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| MATHEWS COUNTY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| MECKLENBURG COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| MIDDLESEX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $365,000 |
| MONTGOMERY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| NELSON COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 | $520,000 |
| NEW KENT COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| NEWPORT NEWS CITY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| NORFOLK CITY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| NORTHAMPTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $214,000 |
| NORTHUMBERLAND | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| NORTON CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $129,000 |
| NOTTOWAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| ORANGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $390,000 |
| PAGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $262,000 |
| PATRICK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $183,000 |
| PETERSBURG CITY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| PITTSYLVANIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $119,000 |
| POQUOSON CITY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| PORTSMOUTH CITY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| POWHATAN COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| PRINCE EDWARD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $215,000 |
| PRINCE GEORGE COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| PRINCE WILLIAM | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| PULASKI COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| RADFORD CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| RAPPAHANNOCK COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| RICHMOND CITY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| RICHMOND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $215,000 |
| ROANOKE CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| ROANOKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| ROCKBRIDGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $326,000 |
| ROCKINGHAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| RUSSELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $97,000 |
| SALEM CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| SCOTT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $254,000 |
| SHENANDOAH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $289,000 |
| SMYTH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| SOUTHAMPTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $285,000 |
| SPOTSYLVANIA COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| STAFFORD COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| STAUNTON CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $333,000 |
| SUFFOLK CITY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| SURRY COUNTY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| SUSSEX COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 | $615,000 |
| TAZEWELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| VIRGINIA BEACH | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| WARREN COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| WASHINGTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $254,000 |
| WAYNESBORO CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $333,000 |
| WESTMORELAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $275,000 |
| WILLIAMSBURG CITY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
| WINCHESTER CITY | $541,287 | $693,050 | $837,700 | $1,041,125 | $420,000 |
| WISE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| WYTHE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $195,000 |
| YORK COUNTY | $757,850 | $970,200 | $1,172,750 | $1,457,450 | $630,000 |
How much is your home purchase price?
$400,000
How are FHA loan limits determined?
Each year, the FHA sets a maximum loan amount that it will guarantee within a given area. These limits are usually lower than what you can borrow with a conforming loan.
FHA loan limits are set based on a percentage of the Federal Housing Finance Agency’s (FHFA) conforming loan limits. Areas with a high cost of living are assigned a “ceiling,” or upper limit, while areas with a low cost of living get a “floor,” or lower loan limit. In 2026, the loan ceiling for high-cost areas is $1,249,125. The floor for low-cost areas is $541,287. However, in some special exception areas, such as Hawaii, Guam, Alaska and the U.S. Virgin Islands, the limits are higher.
FHA loan limits are set on a county-by-county basis and based on the property type. For example, a single-family home in Prince William County has a $1,249,125 loan limit, while a four-unit home in the same county has a $2,402,625 loan limit. In a lower-cost county like Winchester City, homes with the same number of units would be capped at $541,287 and $1,041,125, respectively.
How to qualify for an FHA loan in Virginia
While FHA loans can be easier to qualify for than some other types of home loans, there are still specific criteria borrowers must meet. You don’t need perfect credit or the ability to make a sizable down payment, but lenders will still evaluate your credit score and income, among other factors.
To qualify for an FHA loan in Virginia, you need to meet the following criteria:
- Credit score and down payment minimums: FHA loans require at least a 500 credit score, but a higher score means a lower down payment. If your score is 580 or above, you can qualify for a 3.5% down payment versus a 10% down payment for credit scores between 500 and 579.
- Debt-to-income ratio: You need a debt-to-income (DTI) ratio of 43% or less. This means your monthly debt payments are no more than 43% of your gross monthly income. However, you may qualify for an FHA loan with a higher DTI ratio if you have additional cash reserves.
- Income and employment: You must have a steady income and be employed to get an FHA loan. The lender will ask for proof of employment, so be prepared to present documentation like a W-2 and recent pay stubs.
- Mortgage insurance premiums: Two forms of FHA mortgage insurance are required. You’ll generally pay an upfront fee of 1.75% of the loan amount. Your monthly payments will also include an annual premium of 0.15% to 0.75% of the loan amount.
- Primary residence: You must intend to use the home you purchase as your primary residence for at least one year.
- Appraisal: You’re required to get an FHA home appraisal to confirm the property’s market value and verify that it meets the FHA’s minimum property standards.
Buying a multifamily property with an FHA loan
FHA requirements are the same regardless of how many units the property you purchase has. This means to qualify for a multifamily FHA loan, you must meet the requirements we listed above, plus:
- Occupancy: The property must be your primary residence, though renting out additional rooms or units in the property is allowed. This is sometimes called house hacking.
- Cash reserves: Buyers of three- or four-unit properties must have enough savings to cover at least three months’ of mortgage payments. If the property is a single-family home with an accessory dwelling unit (ADU), two-months’ of mortgage reserves is required.
- Income: Rental income from extra units or rooms — including income from a roommate — may be factored in to reduce your DTI ratio and potentially increase your borrowing power.
FHA loan limits for multifamily properties in Virginia in 2026 are:
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Virginia
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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