FHA Loan Limits in Henrico County, Virginia (2026)
From Henrico County, FHA buyers in Henrico 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 |
Every community in Henrico County — Henrico County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fairfax and Loudoun Counties.
What can you buy with FHA in Henrico County?
An FHA buyer near Henrico County faces an estimated $360,000 median, a $12,600 down payment, and — after Virginia's 0.82% property tax — a monthly cost around $2,698. That suits household income of roughly $104,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Henrico County
Here is what an FHA payment looks like at three Henrico County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $259,000 | $9,065 | $1,974 |
| Local median — $360,000 | $12,600 | $2,698 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Henrico County too — get notified.
Buyers across Henrico County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,600 down payment near Henrico County into little out of pocket.
Multi-unit FHA limits in Henrico County
Looking at a duplex or fourplex near Henrico County? FHA allows up to $692,997 on two units and $1,041,072 on four in Henrico County, with the same low 3.5% down for owner-occupants.
FHA Alerts, Free to Your Inbox
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
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 Henrico County for 2026?
- In Henrico County (Henrico 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 Henrico County with FHA?
- For a median-priced ($360,000) Henrico County home, plan on income around $104,000 at a 31% housing ratio — about $2,698/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Henrico County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Henrico County-area home. Gift funds are allowed.
- Is Henrico County a high-cost FHA area?
- No — Henrico County uses the $541,287 national floor for one unit.