FHA Loan Limits in Bedford County, Virginia (2026)
From Bedford County, FHA buyers in Bedford County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Bedford County to the edges of Bedford County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Fairfax and Loudoun Counties.
What can you buy with FHA in Bedford County?
Homes around Bedford County carry an estimated local median near $398,000, so an FHA buyer in Bedford County puts down about $13,930 (3.5%). With Virginia's 0.82% effective property-tax rate, the all-in payment runs near $2,971 a month — comfortable on household income around $115,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Bedford County
Whether you are buying in Bedford County or a smaller Bedford County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $287,000 | $10,045 | $2,175 |
| Local median — $398,000 | $13,930 | $2,971 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Bedford County too — get notified.
First-time buyers make up much of FHA activity in Bedford County and across Bedford County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,930 needed on a median Bedford County home.
Multi-unit FHA limits in Bedford County
Investors and house-hackers in Bedford County and across Bedford County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
Your Free FHA Early-Warning System
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Bedford County for 2026?
- In Bedford County (Bedford County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Bedford County with FHA?
- For a median-priced ($398,000) Bedford County home, plan on income around $115,000 at a 31% housing ratio — about $2,971/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bedford County?
- 3.5% with a 580+ score — roughly $13,930 on a $398,000 Bedford County-area home. Gift funds are allowed.
- Is Bedford County a high-cost FHA area?
- No — Bedford County uses the $541,287 national floor for one unit.