FHA Loan Limits in Loudoun County, Virginia (2026)
Loudoun County and the rest of Loudoun County, Virginia fall under a 2026 one-unit FHA limit of $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
Every community in Loudoun County — Loudoun County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fairfax and Prince William Counties.
How much home can you afford in Loudoun County?
An FHA buyer near Loudoun County faces an estimated $720,000 median, a $25,200 down payment, and — after Virginia's 0.82% property tax — a monthly cost around $5,280. That suits household income of roughly $204,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Loudoun County
Whether you are buying in Loudoun County or a smaller Loudoun County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $518,000 | $18,130 | $3,831 |
| Local median — $720,000 | $25,200 | $5,280 |
| At the FHA limit — $1,249,125 | $43,719 | $9,074 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Loudoun County too — get notified.
Buyers across Loudoun County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $25,200 down payment near Loudoun County into little out of pocket.
Multi-unit FHA limits in Loudoun County
Investors and house-hackers in Loudoun County and across Loudoun County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Loudoun County for 2026?
- In Loudoun County (Loudoun County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Loudoun County with FHA?
- For a median-priced ($720,000) Loudoun County home, plan on income around $204,000 at a 31% housing ratio — about $5,280/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Loudoun County?
- 3.5% with a 580+ score — roughly $25,200 on a $720,000 Loudoun County-area home. Gift funds are allowed.
- Is Loudoun County a high-cost FHA area?
- Yes — Loudoun County's $1,249,125 one-unit limit tops the $541,287 national floor.