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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in VA - Virginia FHA Mortgage

Virginia Mortgages

2024 FHA Loan Limits for Virginia

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Virginia are below.

Select County
County Name One Family Two Family Three Family Four Family
Accomack One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Albemarle One Family$592,250 Two Family$758,200 Three Family$916,450 Four Family$1,138,950
Alexandria City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Alleghany One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Amelia One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Amherst One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Appomattox One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Arlington One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Augusta One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bath One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bedford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Botetourt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bristol City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brunswick One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Buchanan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Buckingham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Buena Vista Cit One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Campbell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Caroline One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carroll One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Charles City One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Charlotte One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Charlottesville One Family$592,250 Two Family$758,200 Three Family$916,450 Four Family$1,138,950
Chesapeake City One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Chesterfield One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Clarke One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Colonial Height One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Covington City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Craig One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Culpeper One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Cumberland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Danville City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dickenson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dinwiddie One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Emporia City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Essex One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fairfax One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Fairfax City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Falls Church Ci One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Fauquier One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Floyd One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fluvanna One Family$592,250 Two Family$758,200 Three Family$916,450 Four Family$1,138,950
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin City One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Frederick One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fredericksburg One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Galax City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Giles One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gloucester One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Goochland One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Grayson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$592,250 Two Family$758,200 Three Family$916,450 Four Family$1,138,950
Greensville One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Halifax One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hampton City One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Hanover One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Harrisonburg Ci One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henrico One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Henry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Highland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hopewell City One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Isle Of Wight One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
James City One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
King And Queen One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
King George One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
King William One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Lancaster One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lexington City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Loudoun One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Louisa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lunenburg One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lynchburg City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Manassas City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Manassas Park C One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Martinsville Ci One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mathews One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Mecklenburg One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Middlesex One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nelson One Family$592,250 Two Family$758,200 Three Family$916,450 Four Family$1,138,950
New Kent One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Newport News Ci One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Norfolk City One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Northampton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Northumberland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Norton City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nottoway One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Orange One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Page One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Patrick One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Petersburg City One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Pittsylvania One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Poquoson City One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Portsmouth City One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Powhatan One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Prince Edward One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Prince George One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Prince William One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Pulaski One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Radford City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rappahannock One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Richmond One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Richmond City One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Roanoke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Roanoke City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rockbridge One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rockingham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Russell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Salem City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Scott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Shenandoah One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Smyth One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Southampton One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Spotsylvania One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Stafford One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Staunton City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Suffolk City One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Surry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sussex One Family$673,900 Two Family$862,700 Three Family$1,042,800 Four Family$1,296,000
Tazewell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Virginia Beach One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Warren One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Waynesboro City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Westmoreland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Williamsburg Ci One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Winchester City One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wise One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wythe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
York One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450

Mortgage Rates by State

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