FHA Loan Limits in Chesterfield County, Virginia (2026)
From Chesterfield County, FHA buyers in Chesterfield 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 |
These 2026 limits apply throughout Chesterfield County, from Chesterfield County outward, and sit alongside the limits set for neighboring Fairfax and Loudoun Counties.
What can you buy with FHA in Chesterfield County?
With Chesterfield County's median sale price estimated near $375,000 (think Chesterfield County), the FHA down payment is roughly $13,125. Factoring Virginia property taxes near 0.82%, expect about $2,806 monthly, pointing to income near $109,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Chesterfield County
FHA payments across Chesterfield County price points — from entry homes near Chesterfield County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $270,000 | $9,450 | $2,053 |
| Local median — $375,000 | $13,125 | $2,806 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Chesterfield County too — get notified.
In Chesterfield County and the surrounding Chesterfield County market, FHA's appeal is the math: $13,125 down on a $375,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Chesterfield County
Chesterfield County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Chesterfield 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 Chesterfield County for 2026?
- In Chesterfield County (Chesterfield 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 Chesterfield County with FHA?
- For a median-priced ($375,000) Chesterfield County home, plan on income around $109,000 at a 31% housing ratio — about $2,806/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Chesterfield County?
- 3.5% with a 580+ score — roughly $13,125 on a $375,000 Chesterfield County-area home. Gift funds are allowed.
- Is Chesterfield County a high-cost FHA area?
- No — Chesterfield County uses the $541,287 national floor for one unit.