What are FHA Loan Limits in Virginia?
FHA loans are a low down payment mortgage program and Virginia FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Virginia are set at the floor amount of $275,665 across most of the entire state.
Virginia FHA Loan Limits Search:
County Name | Area | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|---|
| ACCOMACK | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| ALBEMARLE | CHARLOTTESVILLE, VA | $437,000 | $559,450 | $676,200 | $840,400 |
| ALEXANDRIA CITY | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| ALLEGHANY | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| AMELIA | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| AMHERST | LYNCHBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| APPOMATTOX | LYNCHBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| ARLINGTON | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| AUGUSTA | STAUNTON, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| BATH | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| BEDFORD | LYNCHBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| BLAND | BLUEFIELD, WV-VA | $331,760 | $424,800 | $513,450 | $638,100 |
| BOTETOURT | ROANOKE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| BRISTOL CITY | KINGSPORT-BRISTOL, TN-VA | $331,760 | $424,800 | $513,450 | $638,100 |
| BRUNSWICK | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| BUCHANAN | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| BUCKINGHAM | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| BUENA VISTA CIT | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| CAMPBELL | LYNCHBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| CAROLINE | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| CARROLL | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| CHARLES CITY | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| CHARLOTTE | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| CHARLOTTESVILLE | CHARLOTTESVILLE, VA | $437,000 | $559,450 | $676,200 | $840,400 |
| CHESAPEAKE CITY | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| CHESTERFIELD | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| CLARKE | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| COLONIAL HEIGHT | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| COVINGTON CITY | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| CRAIG | ROANOKE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| CULPEPER | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| CUMBERLAND | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| DANVILLE CITY | DANVILLE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| DICKENSON | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| DINWIDDIE | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| EMPORIA CITY | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| ESSEX | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| FAIRFAX | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| FAIRFAX CITY | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| FALLS CHURCH CI | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| FAUQUIER | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| FLOYD | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| FLUVANNA | CHARLOTTESVILLE, VA | $437,000 | $559,450 | $676,200 | $840,400 |
| FRANKLIN | ROANOKE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| FRANKLIN CITY | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| FREDERICK | WINCHESTER, VA-WV | $331,760 | $424,800 | $513,450 | $638,100 |
| FREDERICKSBURG | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| GALAX CITY | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| GILES | BLACKSBURG-CHRISTIANSBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| GLOUCESTER | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| GOOCHLAND | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| GRAYSON | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| GREENE | CHARLOTTESVILLE, VA | $437,000 | $559,450 | $676,200 | $840,400 |
| GREENSVILLE | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| HALIFAX | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| HAMPTON CITY | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| HANOVER | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| HARRISONBURG CI | HARRISONBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| HENRICO | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| HENRY | MARTINSVILLE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| HIGHLAND | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| HOPEWELL CITY | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| ISLE OF WIGHT | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| JAMES CITY | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| KING AND QUEEN | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| KING GEORGE | NON-METRO | $350,750 | $449,000 | $542,750 | $674,500 |
| KING WILLIAM | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| LANCASTER | NON-METRO | $442,750 | $566,800 | $685,100 | $851,450 |
| LEE | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| LEXINGTON CITY | NON-METRO | $354,200 | $453,450 | $548,100 | $681,150 |
| LOUDOUN | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| LOUISA | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| LUNENBURG | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| LYNCHBURG CITY | LYNCHBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| MADISON | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| MANASSAS CITY | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| MANASSAS PARK C | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| MARTINSVILLE CI | MARTINSVILLE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| MATHEWS | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| MECKLENBURG | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| MIDDLESEX | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| MONTGOMERY | BLACKSBURG-CHRISTIANSBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| NELSON | CHARLOTTESVILLE, VA | $437,000 | $559,450 | $676,200 | $840,400 |
| NEW KENT | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| NEWPORT NEWS CI | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| NORFOLK CITY | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| NORTHAMPTON | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| NORTHUMBERLAND | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| NORTON CITY | BIG STONE GAP, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| NOTTOWAY | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| ORANGE | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| PAGE | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| PATRICK | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| PETERSBURG CITY | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| PITTSYLVANIA | DANVILLE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| POQUOSON CITY | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| PORTSMOUTH CITY | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| POWHATAN | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| PRINCE EDWARD | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| PRINCE GEORGE | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| PRINCE WILLIAM | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| PULASKI | BLACKSBURG-CHRISTIANSBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| RADFORD CITY | BLACKSBURG-CHRISTIANSBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| RAPPAHANNOCK | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| RICHMOND | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| RICHMOND CITY | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| ROANOKE | ROANOKE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| ROANOKE CITY | ROANOKE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| ROCKBRIDGE | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| ROCKINGHAM | HARRISONBURG, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| RUSSELL | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| SALEM CITY | ROANOKE, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| SCOTT | KINGSPORT-BRISTOL, TN-VA | $331,760 | $424,800 | $513,450 | $638,100 |
| SHENANDOAH | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| SMYTH | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| SOUTHAMPTON | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| SPOTSYLVANIA | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| STAFFORD | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| STAUNTON CITY | STAUNTON, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| SUFFOLK CITY | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| SURRY | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| SUSSEX | RICHMOND, VA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| TAZEWELL | BLUEFIELD, WV-VA | $331,760 | $424,800 | $513,450 | $638,100 |
| VIRGINIA BEACH | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| WARREN | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| WASHINGTON | KINGSPORT-BRISTOL, TN-VA | $331,760 | $424,800 | $513,450 | $638,100 |
| WAYNESBORO CITY | STAUNTON, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| WESTMORELAND | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| WILLIAMSBURG CI | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
| WINCHESTER CITY | WINCHESTER, VA-WV | $331,760 | $424,800 | $513,450 | $638,100 |
| WISE | BIG STONE GAP, VA | $331,760 | $424,800 | $513,450 | $638,100 |
| WYTHE | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| YORK | VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | $458,850 | $587,400 | $710,050 | $882,400 |
Virginia FHA loan limits can change at any time. Check back often to ensure information is accurate.
How are Virginia FHA Limits Set?
Mortgage limits for Virginia FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.
Virginia FHA Loan-to-Value Limits (LTV)
- Purchase Loans – The mortgage loan-to-value limit in Virginia is 96.5% of the lower of the purchase price or the appraised value of the home.
- Refinance Loans – The refinance loan-to-value limit in Virginia is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.
Virginia FHA loan limits are set above the nationwide floor amount in Arlington, Alexandria, Richmond, Virginia Beach and Winchester. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:
More FHA Loan Resources
- FHA Loan Limits for all 50 states
- Conforming Loan Limits for all 50 states
- Check Your FHA Loan Eligibility
- Determine Your FHA Mortgage Payment Amount
- Check Current FHA Mortgage Rates
- FHA Loan Requirements
- Understanding FHA Mortgage Insurance
- FHA Payment Calculator
- FHA Mortgage Insurance Calculator
- FHA Upfront MIP Calculator
- FHA Refinance Loans
- FHA Streamline Refinance
- FHA Cash-Out Refinance
- Other Mortgage Options
- Ask an FHA Mortgage Question
- FHA Mortgage Rates
