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2025 FHA Loan Limits in Virginia

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If you want to buy a home in Virginia with a loan backed by the Federal Housing Administration (FHA), you need to know about the loan limits in the state.

FHA loans make it easier for people with less-than-perfect credit to qualify for a loan by guaranteeing a portion of the loan. FHA loan limits vary by county and range from $524,225 to as high as $1,209,750 for single-family homes in Virginia. Here’s what you need to know before you apply.

Virginia FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ACCOMACK	$524,225	$671,200	$811,275	$1,008,300	$92,000
ALBEMARLE	$592,250	$758,200	$916,450	$1,138,950	$515,000
ALEXANDRIA CITY	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
ALLEGHANY	$524,225	$671,200	$811,275	$1,008,300	$175,000
AMELIA	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
AMHERST	$524,225	$671,200	$811,275	$1,008,300	$280,000
APPOMATTOX	$524,225	$671,200	$811,275	$1,008,300	$280,000
ARLINGTON	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
AUGUSTA	$524,225	$671,200	$811,275	$1,008,300	$308,000
BATH	$524,225	$671,200	$811,275	$1,008,300	$125,000
BEDFORD	$524,225	$671,200	$811,275	$1,008,300	$280,000
BLAND	$524,225	$671,200	$811,275	$1,008,300	$105,000
BOTETOURT	$524,225	$671,200	$811,275	$1,008,300	$300,000
BRISTOL CITY	$524,225	$671,200	$811,275	$1,008,300	$244,000
BRUNSWICK	$524,225	$671,200	$811,275	$1,008,300	$191,000
BUCHANAN	$524,225	$671,200	$811,275	$1,008,300	$75,000
BUCKINGHAM	$524,225	$671,200	$811,275	$1,008,300	$230,000
BUENA VISTA CIT	$524,225	$671,200	$811,275	$1,008,300	$140,000
CAMPBELL	$524,225	$671,200	$811,275	$1,008,300	$280,000
CAROLINE	$524,225	$671,200	$811,275	$1,008,300	$335,000
CARROLL	$524,225	$671,200	$811,275	$1,008,300	$185,000
CHARLES CITY	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
CHARLOTTE	$524,225	$671,200	$811,275	$1,008,300	$95,000
CHARLOTTESVILLE	$592,250	$758,200	$916,450	$1,138,950	$515,000
CHESAPEAKE CITY	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
CHESTERFIELD	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
CLARKE	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
COLONIAL HEIGHT	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
COVINGTON CITY	$524,225	$671,200	$811,275	$1,008,300	$114,000
CRAIG	$524,225	$671,200	$811,275	$1,008,300	$300,000
CULPEPER	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
CUMBERLAND	$524,225	$671,200	$811,275	$1,008,300	$230,000
DANVILLE CITY	$524,225	$671,200	$811,275	$1,008,300	$100,000
DICKENSON	$524,225	$671,200	$811,275	$1,008,300	$65,000
DINWIDDIE	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
EMPORIA CITY	$524,225	$671,200	$811,275	$1,008,300	$183,000
ESSEX	$524,225	$671,200	$811,275	$1,008,300	$283,000
FAIRFAX	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
FAIRFAX CITY	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
FALLS CHURCH CI	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
FAUQUIER	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
FLOYD	$524,225	$671,200	$811,275	$1,008,300	$200,000
FLUVANNA	$592,250	$758,200	$916,450	$1,138,950	$515,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$300,000
FRANKLIN CITY	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
FREDERICK	$524,225	$671,200	$811,275	$1,008,300	$410,000
FREDERICKSBURG	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
GALAX CITY	$524,225	$671,200	$811,275	$1,008,300	$208,000
GILES	$524,225	$671,200	$811,275	$1,008,300	$325,000
GLOUCESTER	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
GOOCHLAND	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
GRAYSON	$524,225	$671,200	$811,275	$1,008,300	$135,000
GREENE	$592,250	$758,200	$916,450	$1,138,950	$515,000
GREENSVILLE	$524,225	$671,200	$811,275	$1,008,300	$207,000
HALIFAX	$524,225	$671,200	$811,275	$1,008,300	$89,000
HAMPTON CITY	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
HANOVER	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
HARRISONBURG CI	$524,225	$671,200	$811,275	$1,008,300	$401,000
HENRICO	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
HENRY	$524,225	$671,200	$811,275	$1,008,300	$98,000
HIGHLAND	$524,225	$671,200	$811,275	$1,008,300	$190,000
HOPEWELL CITY	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
ISLE OF WIGHT	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
JAMES CITY	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
KING AND QUEEN	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
KING GEORGE	$524,225	$671,200	$811,275	$1,008,300	$450,000
KING WILLIAM	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
LANCASTER	$524,225	$671,200	$811,275	$1,008,300	$250,000
LEE	$524,225	$671,200	$811,275	$1,008,300	$75,000
LEXINGTON CITY	$524,225	$671,200	$811,275	$1,008,300	$379,000
LOUDOUN	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
LOUISA	$524,225	$671,200	$811,275	$1,008,300	$345,000
LUNENBURG	$524,225	$671,200	$811,275	$1,008,300	$84,000
LYNCHBURG CITY	$524,225	$671,200	$811,275	$1,008,300	$280,000
MADISON	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
MANASSAS CITY	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
MANASSAS PARK C	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
MARTINSVILLE CI	$524,225	$671,200	$811,275	$1,008,300	$98,000
MATHEWS	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
MECKLENBURG	$524,225	$671,200	$811,275	$1,008,300	$125,000
MIDDLESEX	$524,225	$671,200	$811,275	$1,008,300	$367,000
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300	$325,000
NELSON	$592,250	$758,200	$916,450	$1,138,950	$515,000
NEW KENT	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
NEWPORT NEWS CI	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
NORFOLK CITY	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
NORTHAMPTON	$524,225	$671,200	$811,275	$1,008,300	$255,000
NORTHUMBERLAND	$524,225	$671,200	$811,275	$1,008,300	$229,000
NORTON CITY	$524,225	$671,200	$811,275	$1,008,300	$166,000
NOTTOWAY	$524,225	$671,200	$811,275	$1,008,300	$165,000
ORANGE	$524,225	$671,200	$811,275	$1,008,300	$358,000
PAGE	$524,225	$671,200	$811,275	$1,008,300	$250,000
PATRICK	$524,225	$671,200	$811,275	$1,008,300	$184,000
PETERSBURG CITY	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
PITTSYLVANIA	$524,225	$671,200	$811,275	$1,008,300	$100,000
POQUOSON CITY	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
PORTSMOUTH CITY	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
POWHATAN	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
PRINCE EDWARD	$524,225	$671,200	$811,275	$1,008,300	$185,000
PRINCE GEORGE	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
PRINCE WILLIAM	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
PULASKI	$524,225	$671,200	$811,275	$1,008,300	$325,000
RADFORD CITY	$524,225	$671,200	$811,275	$1,008,300	$325,000
RAPPAHANNOCK	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
RICHMOND	$524,225	$671,200	$811,275	$1,008,300	$111,000
RICHMOND CITY	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
ROANOKE	$524,225	$671,200	$811,275	$1,008,300	$300,000
ROANOKE CITY	$524,225	$671,200	$811,275	$1,008,300	$300,000
ROCKBRIDGE	$524,225	$671,200	$811,275	$1,008,300	$328,000
ROCKINGHAM	$524,225	$671,200	$811,275	$1,008,300	$401,000
RUSSELL	$524,225	$671,200	$811,275	$1,008,300	$75,000
SALEM CITY	$524,225	$671,200	$811,275	$1,008,300	$300,000
SCOTT	$524,225	$671,200	$811,275	$1,008,300	$244,000
SHENANDOAH	$524,225	$671,200	$811,275	$1,008,300	$300,000
SMYTH	$524,225	$671,200	$811,275	$1,008,300	$130,000
SOUTHAMPTON	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
SPOTSYLVANIA	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
STAFFORD	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
STAUNTON CITY	$524,225	$671,200	$811,275	$1,008,300	$308,000
SUFFOLK CITY	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
SURRY	$524,225	$671,200	$811,275	$1,008,300	$230,000
SUSSEX	$673,900	$862,700	$1,042,800	$1,296,000	$586,000
TAZEWELL	$524,225	$671,200	$811,275	$1,008,300	$105,000
VIRGINIA BEACH	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
WARREN	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$244,000
WAYNESBORO CITY	$524,225	$671,200	$811,275	$1,008,300	$308,000
WESTMORELAND	$524,225	$671,200	$811,275	$1,008,300	$250,000
WILLIAMSBURG CI	$757,850	$970,200	$1,172,750	$1,457,450	$659,000
WINCHESTER CITY	$524,225	$671,200	$811,275	$1,008,300	$410,000
WISE	$524,225	$671,200	$811,275	$1,008,300	$166,000
WYTHE	$524,225	$671,200	$811,275	$1,008,300	$183,000
YORK	$757,850	$970,200	$1,172,750	$1,457,450	$659,000

How are FHA loan limits determined?

Each year, the FHA sets a maximum loan amount that it will guarantee within a given area. These limits are usually lower than what you can borrow with a conforming loan.

FHA loan limits are set based on a percentage of the Federal Housing Finance Agency’s (FHFA) conforming loan limits. Areas with a high cost of living are assigned a “ceiling,” or upper limit, while areas with a low cost of living get a “floor,” or lower loan limit. In 2025, the loan ceiling for high-cost areas is 150% of the national conforming loan limit, or $1,209,750. The floor for low-cost areas is 65% of the conforming loan limit, or $524,225.

There are even higher limits of $1,814,625 in Alaska, Hawaii, Guam and the U.S. Virgin Islands, which are designated special exception areas because of the higher cost of housing and other factors.

FHA loan limits are set on a county-by-county basis and based on the property type. For example, a single-family home in the county of Richmond City has a loan limit of $673,900, while a four-family home in the same county has a loan limit of $1,296,000. In a lower-cost county like Winchester City, homes of the same size would be capped at $524,225 and $1,008,300, respectively.

How to qualify for an FHA loan in Virginia

While FHA loans can be easier to qualify for than some other types of home loans, there are still specific criteria borrowers must meet. You don’t need perfect credit or the ability to make a sizable down payment, but lenders will still evaluate your credit score and income, among other factors.

To qualify for an FHA loan in Virginia, you need to meet the following criteria:

Credit score and down payment minimums: FHA loans require at least a 500 credit score, but a higher score means a lower down payment. If your score is 580 or above, you can qualify for a 3.5% down payment versus a 10% down payment for credit scores between 500 and 579.
Debt-to-income ratio. You need a debt-to-income (DTI) ratio of 43% or less. This means your monthly debt payments are no more than 43% of your gross monthly income. However, you may qualify for an FHA loan with a higher DTI ratio as long as you have higher cash reserves.
Income and employment. You must have a steady income and be employed to get an FHA loan. The lender will ask for proof of employment, so be prepared to present documentation like a W-2 and recent paystubs.
Mortgage insurance premiums. Two forms of FHA mortgage insurance are required. This makes it less risky for the lender to loan you money. You’ll pay an upfront fee of 1.75% of the loan amount. Your monthly payments will also include an annual premium of 0.15% to 0.75% of the loan amount.
Primary residence. You must intend to use the home you purchase as your primary residence for at least one year.

Buying a multifamily property with an FHA loan

The FHA home loan program isn’t just for single-family homes. You can also buy a multifamily home with two to four units with a down payment as low as 3.5%.

The FHA requirements are the same regardless of the property size you purchase. This means to qualify for a multifamily FHA loan, you must meet the following requirements: