Virginia FHA Loan Limits 2026

View FHA loan limits for all 133 counties in Virginia. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

133

Lowest Limit

$541,287

Highest Limit

$1,249,125

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Virginia has 79 standard-limit counties and 54 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Accomack Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Albemarle Coun	$598,000	$765,550	$925,350	$1,150,000	High-Cost	Calculate
Alexandria Cit	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Alleghany Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Amelia County	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Amherst County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Appomattox Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Arlington Coun	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Augusta County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bath County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bedford County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bland County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Botetourt Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bristol City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brunswick Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Buchanan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Buckingham Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Buena Vista Ci	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Campbell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caroline Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carroll County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Charles City C	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Charlotte Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Charlottesvill	$598,000	$765,550	$925,350	$1,150,000	High-Cost	Calculate
Chesapeake Cit	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Chesterfield C	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Clarke County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Colonial Heigh	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Covington City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Craig County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Culpeper Count	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Cumberland Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Danville City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dickenson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dinwiddie Coun	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Emporia City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Essex County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fairfax City	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Fairfax County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Falls Church C	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Fauquier Count	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Floyd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fluvanna Count	$598,000	$765,550	$925,350	$1,150,000	High-Cost	Calculate
Franklin City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Frederick Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fredericksburg	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Galax City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Giles County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gloucester Cou	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Goochland Coun	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Grayson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greene County	$598,000	$765,550	$925,350	$1,150,000	High-Cost	Calculate
Greensville Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Halifax County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hampton City	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Hanover County	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Harrisonburg C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Henrico County	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Henry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Highland Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hopewell City	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Isle Of Wight	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
James City Cou	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
King And Queen	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
King George Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
King William C	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Lancaster Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lexington City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Loudoun County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Louisa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lunenburg Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lynchburg City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Manassas City	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Manassas Park	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Martinsville C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mathews County	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Mecklenburg Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Middlesex Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nelson County	$598,000	$765,550	$925,350	$1,150,000	High-Cost	Calculate
New Kent Count	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Newport News C	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Norfolk City	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Northampton Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Northumberland	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Norton City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nottoway Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Orange County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Page County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Patrick County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Petersburg Cit	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Pittsylvania C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Poquoson City	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Portsmouth Cit	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Powhatan Count	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Prince Edward	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Prince George	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Prince William	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Pulaski County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Radford City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rappahannock C	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Richmond City	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Richmond Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Roanoke City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Roanoke County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rockbridge Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rockingham Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Russell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Salem City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scott County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shenandoah Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Smyth County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Southampton Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Spotsylvania C	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Stafford Count	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Staunton City	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Suffolk City	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Surry County	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Sussex County	$707,250	$905,400	$1,094,450	$1,360,100	High-Cost	Calculate
Tazewell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Virginia Beach	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Warren County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Waynesboro Cit	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Westmoreland C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Williamsburg C	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Winchester Cit	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wise County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wythe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
York County	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate

Calculate Your FHA Payment in Virginia

Use the calculator below with Virginia pre-selected. Choose your county to see the exact FHA limit that applies to you.

Back to Tools

FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

Mortgage DTI Closing Costs Down Payment Amortization First-Time Buyer Rent vs Buy

Understanding FHA Loan Limits in Virginia

FHA loan limits in Virginia vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Virginia's single-family FHA limits range from $541,287 to $1,249,125.

The variation in limits reflects differences in median home prices across Virginia's counties. 54 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.