FHA Loan Limits in Campbell County, Virginia (2026)
From Campbell County, FHA buyers in Campbell 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 Campbell County to the edges of Campbell 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 Campbell County?
Homes around Campbell County carry an estimated local median near $406,000, so an FHA buyer in Campbell County puts down about $14,210 (3.5%). With Virginia's 0.82% effective property-tax rate, the all-in payment runs near $3,028 a month — comfortable on household income around $117,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Campbell County
FHA payments across Campbell County price points — from entry homes near Campbell County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $292,000 | $10,220 | $2,211 |
| Local median — $406,000 | $14,210 | $3,028 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Campbell County too — get notified.
First-time buyers make up much of FHA activity in Campbell County and across Campbell County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,210 needed on a median Campbell County home.
Multi-unit FHA limits in Campbell County
Campbell County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Campbell County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Campbell County for 2026?
- In Campbell County (Campbell 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 Campbell County with FHA?
- For a median-priced ($406,000) Campbell County home, plan on income around $117,000 at a 31% housing ratio — about $3,028/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Campbell County?
- 3.5% with a 580+ score — roughly $14,210 on a $406,000 Campbell County-area home. Gift funds are allowed.
- Is Campbell County a high-cost FHA area?
- No — Campbell County uses the $541,287 national floor for one unit.