FHA Loan Limits in Prince William County, Virginia (2026)
From Prince William County, FHA buyers in Prince William County can finance a one-unit home up to $1,249,125 with 3.5% down in 2026. 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 |
These 2026 limits apply throughout Prince William County, from Prince William County outward, and sit alongside the limits set for neighboring Fairfax and Loudoun Counties.
What can you buy with FHA in Prince William County?
Homes around Prince William County carry an estimated local median near $560,000, so an FHA buyer in Prince William County puts down about $19,600 (3.5%). With Virginia's 0.82% effective property-tax rate, the all-in payment runs near $4,133 a month — comfortable on household income around $160,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Prince William County
Here is what an FHA payment looks like at three Prince William County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $3,007 |
| Local median — $560,000 | $19,600 | $4,133 |
| 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 Prince William County too — get notified.
In Prince William County and the surrounding Prince William County market, FHA's appeal is the math: $19,600 down on a $560,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Prince William County
Looking at a duplex or fourplex near Prince William County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in Prince William County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Prince William County for 2026?
- In Prince William County (Prince William 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 Prince William County with FHA?
- For a median-priced ($560,000) Prince William County home, plan on income around $160,000 at a 31% housing ratio — about $4,133/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Prince William County?
- 3.5% with a 580+ score — roughly $19,600 on a $560,000 Prince William County-area home. Gift funds are allowed.
- Is Prince William County a high-cost FHA area?
- Yes — Prince William County's $1,249,125 one-unit limit tops the $541,287 national floor.