FHA Loan Limits in Virginia (2026)
For 2026, the FHA loan limit in most Virginia counties is $541,287 for a single-family home. 5 higher-cost Virginia counties carry larger limit, up to $1,249,125.
FHA loan limits by county in Virginia
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Fairfax County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Prince William County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Virginia Beach County | $541,287 | $692,997 | $1,041,072 | Standard |
| Loudoun County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Chesterfield County | $541,287 | $692,997 | $1,041,072 | Standard |
| Henrico County | $541,287 | $692,997 | $1,041,072 | Standard |
| Spotsylvania County | $541,287 | $692,997 | $1,041,072 | Standard |
| Stafford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Albemarle County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hanover County | $541,287 | $692,997 | $1,041,072 | Standard |
| Augusta County | $541,287 | $692,997 | $1,041,072 | Standard |
| Roanoke County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rockingham County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bedford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Frederick County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montgomery County | $541,287 | $692,997 | $1,041,072 | Standard |
| Campbell County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pittsylvania County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fauquier County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tazewell County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wise County | $541,287 | $692,997 | $1,041,072 | Standard |
| Culpeper County | $541,287 | $692,997 | $1,041,072 | Standard |
| Accomack County | $541,287 | $692,997 | $1,041,072 | Standard |
| Arlington County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Alexandria County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
Virginia's median home price is roughly $400,000. With 3.5% down, an example FHA payment near that price is about $3,079/month including MIP, taxes, and insurance.
Buying with an FHA loan in Virginia
FHA loans are popular with first-time buyers in Virginia because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Virginia for 2026?
- Most Virginia counties use the national FHA floor of $541,287 for a one-unit home. High-cost Virginia counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Virginia?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.