FHA Loan Limits in Fauquier County, Virginia (2026)
From Fauquier County, FHA buyers in Fauquier 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 Fauquier County, from Fauquier County outward, and sit alongside the limits set for neighboring Fairfax and Loudoun Counties.
What can you buy with FHA in Fauquier County?
With Fauquier County's median sale price estimated near $445,000 (think Fauquier County), the FHA down payment is roughly $15,575. Factoring Virginia property taxes near 0.82%, expect about $3,308 monthly, pointing to income near $128,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Fauquier County
FHA payments across Fauquier County price points — from entry homes near Fauquier County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $320,000 | $11,200 | $2,411 |
| Local median — $445,000 | $15,575 | $3,308 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Fauquier County too — get notified.
In Fauquier County and the surrounding Fauquier County market, FHA's appeal is the math: $15,575 down on a $445,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Fauquier County
Fauquier County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Fauquier 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 Fauquier County for 2026?
- In Fauquier County (Fauquier 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 Fauquier County with FHA?
- For a median-priced ($445,000) Fauquier County home, plan on income around $128,000 at a 31% housing ratio — about $3,308/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fauquier County?
- 3.5% with a 580+ score — roughly $15,575 on a $445,000 Fauquier County-area home. Gift funds are allowed.
- Is Fauquier County a high-cost FHA area?
- No — Fauquier County uses the $541,287 national floor for one unit.