FHA Loan Limits in Virginia Beach County, Virginia (2026)
From Virginia Beach County, FHA buyers in Virginia Beach 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 Virginia Beach County, from Virginia Beach County outward, and sit alongside the limits set for neighboring Fairfax and Loudoun Counties.
What can you buy with FHA in Virginia Beach County?
With Virginia Beach County's median sale price estimated near $360,000 (think Virginia Beach County), the FHA down payment is roughly $12,600. Factoring Virginia property taxes near 0.82%, expect about $2,698 monthly, pointing to income near $104,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Virginia Beach County
FHA payments across Virginia Beach County price points — from entry homes near Virginia Beach County to the county's FHA limit (3.5% down, 6.25% sample 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 Virginia Beach County too — get notified.
In Virginia Beach County and the surrounding Virginia Beach County market, FHA's appeal is the math: $12,600 down on a $360,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Virginia Beach County
Virginia Beach County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Virginia Beach 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 Virginia Beach County for 2026?
- In Virginia Beach County (Virginia Beach 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 Virginia Beach County with FHA?
- For a median-priced ($360,000) Virginia Beach 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 Virginia Beach County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Virginia Beach County-area home. Gift funds are allowed.
- Is Virginia Beach County a high-cost FHA area?
- No — Virginia Beach County uses the $541,287 national floor for one unit.