FHA Loan Limits in Hanover County, Virginia (2026)
In Hanover County — anchored by Hanover County — the 2026 FHA loan limit for a single-family home is $541,287. 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 |
Every community in Hanover County — Hanover County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fairfax and Loudoun Counties.
Affording a home in Hanover County & Hanover County
Homes around Hanover County carry an estimated local median near $460,000, so an FHA buyer in Hanover County puts down about $16,100 (3.5%). With Virginia's 0.82% effective property-tax rate, the all-in payment runs near $3,415 a month — comfortable on household income around $132,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Hanover County
FHA payments across Hanover County price points — from entry homes near Hanover County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $331,000 | $11,585 | $2,490 |
| Local median — $460,000 | $16,100 | $3,415 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Hanover County too — get notified.
Buyers across Hanover County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $16,100 down payment near Hanover County into little out of pocket.
Multi-unit FHA limits in Hanover County
Hanover County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Hanover 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 Hanover County for 2026?
- In Hanover County (Hanover 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 Hanover County with FHA?
- For a median-priced ($460,000) Hanover County home, plan on income around $132,000 at a 31% housing ratio — about $3,415/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hanover County?
- 3.5% with a 580+ score — roughly $16,100 on a $460,000 Hanover County-area home. Gift funds are allowed.
- Is Hanover County a high-cost FHA area?
- No — Hanover County uses the $541,287 national floor for one unit.