Current FHA Mortgage Rates in VA - Virginia FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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30 year FHA mortgage rates today from 5%

30 Yr. FHA
30 Yr. FHA
Rate as low as
5.147%
APR
Rate as low as
5.125 %
Rate
$ 1,089
Monthly Payment
Show Details
30 Yr. FHA
30 Yr. FHA
Rate as low as
5.082%
APR
Rate as low as
5 %
Rate
$ 1,074
Monthly Payment
Show Details
30 Yr. FHA
30 Yr. FHA
Rate as low as
5.485%
APR
Rate as low as
5.375 %
Rate
$ 1,120
Monthly Payment
Show Details
30 Yr. FHA
30 Yr. FHA
Rate as low as
5.079%
APR
Rate as low as
5 %
Rate
$ 1,074
Monthly Payment
Show Details
30 Yr. FHA
30 Yr. FHA
Rate as low as
5.268%
APR
Rate as low as
5.25 %
Rate
$ 1,105
Monthly Payment
Show Details
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Virginia Mortgages

2022 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 2022 FHA loan limits for each county in Virginia are below.

County Name One Family Two Family Three Family Four Family
Accomack One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Albemarle One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
Alexandria City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Alleghany One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Amelia One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Amherst One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Appomattox One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Arlington One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Augusta One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bath One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bedford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Botetourt One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bristol City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Brunswick One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Buchanan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Buckingham One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Buena Vista Cit One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Campbell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Caroline One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Carroll One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Charles City One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Charlotte One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Charlottesville One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
Chesapeake City One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Chesterfield One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Clarke One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Colonial Height One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Covington City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Craig One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Culpeper One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Cumberland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Danville City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dickenson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dinwiddie One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Emporia City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Essex One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fairfax One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Fairfax City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Falls Church Ci One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Fauquier One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Floyd One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fluvanna One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin City One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Frederick One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fredericksburg One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Galax City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Giles One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gloucester One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Goochland One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Grayson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Greene One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
Greensville One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Halifax One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hampton City One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Hanover One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Harrisonburg Ci One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Henrico One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Henry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Highland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hopewell City One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Isle Of Wight One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
James City One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
King And Queen One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
King George One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
King William One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Lancaster One Family$442,750 Two Family$566,800 Three Family$685,100 Four Family$851,450
Lee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lexington City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Loudoun One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Louisa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lunenburg One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lynchburg City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Madison One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Manassas City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Manassas Park C One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Martinsville Ci One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mathews One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Mecklenburg One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Middlesex One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montgomery One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nelson One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
New Kent One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Newport News Ci One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Norfolk City One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Northampton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Northumberland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Norton City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nottoway One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Orange One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Page One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Patrick One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Petersburg City One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Pittsylvania One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Poquoson City One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Portsmouth City One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Powhatan One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Prince Edward One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Prince George One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Prince William One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Pulaski One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Radford City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rappahannock One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Richmond One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Richmond City One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Roanoke One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Roanoke City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rockbridge One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rockingham One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Russell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Salem City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Scott One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Shenandoah One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Smyth One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Southampton One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Spotsylvania One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Stafford One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Staunton City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Suffolk City One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Surry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Sussex One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Tazewell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Virginia Beach One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Warren One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Waynesboro City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Westmoreland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Williamsburg Ci One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Winchester City One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wise One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wythe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
York One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
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