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FHA Mortgage Refinance rates in Virginia

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3.500% Rate

FHA 30 Yr.

3.742% APR

$674 / month (est)

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Updated 11/12/2018

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5.250% Rate

FHA 30 Yr.

5.964% APR

$943 / month (est)

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Updated 11/12/2018

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5.125% Rate

FHA 30 Yr.

5.934% APR

$932 / month (est)

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Updated 11/12/2018

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Virginia Mortgages

2018 FHA Loan Limits for Virginia

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For Virginia, 76 counties have an FHA loan limit at $294,515, 4 counties range from $307,050 to $350,750, 14 counties are at $458,850, 6 counties are at $437,000, 17 counties are at $535,900 and 17 counties are at $679,650.

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.

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 2018 FHA loan limits for each county in Virginia are below.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Accomack$294,515$377,075$455,800$566,425
Albemarle$437,000$559,450$676,200$840,400
Alexandria City$679,650$870,225$1,051,875$1,307,175
Alleghany$294,515$377,075$455,800$566,425
Amelia$535,900$686,050$829,250$1,030,600
Amherst$294,515$377,075$455,800$566,425
Appomattox$294,515$377,075$455,800$566,425
Arlington$679,650$870,225$1,051,875$1,307,175
Augusta$294,515$377,075$455,800$566,425
Bath$294,515$377,075$455,800$566,425
Bedford$294,515$377,075$455,800$566,425
Bedford City$294,515$377,075$455,800$566,425
Bland$294,515$377,075$455,800$566,425
Botetourt$294,515$377,075$455,800$566,425
Bristol City$294,515$377,075$455,800$566,425
Brunswick$294,515$377,075$455,800$566,425
Buchanan$294,515$377,075$455,800$566,425
Buckingham$437,000$559,450$676,200$840,400
Buena Vista Cit$294,515$377,075$455,800$566,425
Campbell$294,515$377,075$455,800$566,425
Caroline$535,900$686,050$829,250$1,030,600
Carroll$294,515$377,075$455,800$566,425
Charles City$535,900$686,050$829,250$1,030,600
Charlotte$294,515$377,075$455,800$566,425
Charlottesville$437,000$559,450$676,200$840,400
Chesapeake City$458,850$587,400$710,050$882,400
Chesterfield$535,900$686,050$829,250$1,030,600
Clarke$679,650$870,225$1,051,875$1,307,175
Colonial Height$535,900$686,050$829,250$1,030,600
Covington City$294,515$377,075$455,800$566,425
Craig$294,515$377,075$455,800$566,425
Culpeper$679,650$870,225$1,051,875$1,307,175
Cumberland$294,515$377,075$455,800$566,425
Danville City$294,515$377,075$455,800$566,425
Dickenson$294,515$377,075$455,800$566,425
Dinwiddie$535,900$686,050$829,250$1,030,600
Emporia City$294,515$377,075$455,800$566,425
Essex$294,515$377,075$455,800$566,425
Fairfax$679,650$870,225$1,051,875$1,307,175
Fairfax City$679,650$870,225$1,051,875$1,307,175
Falls Church Ci$679,650$870,225$1,051,875$1,307,175
Fauquier$679,650$870,225$1,051,875$1,307,175
Floyd$294,515$377,075$455,800$566,425
Fluvanna$437,000$559,450$676,200$840,400
Franklin$294,515$377,075$455,800$566,425
Franklin City$294,515$377,075$455,800$566,425
Frederick$294,515$377,075$455,800$566,425
Fredericksburg$679,650$870,225$1,051,875$1,307,175
Galax City$294,515$377,075$455,800$566,425
Giles$294,515$377,075$455,800$566,425
Gloucester$458,850$587,400$710,050$882,400
Goochland$535,900$686,050$829,250$1,030,600
Grayson$294,515$377,075$455,800$566,425
Greene$437,000$559,450$676,200$840,400
Greensville$294,515$377,075$455,800$566,425
Halifax$294,515$377,075$455,800$566,425
Hampton City$458,850$587,400$710,050$882,400
Hanover$535,900$686,050$829,250$1,030,600
Harrisonburg Ci$294,515$377,075$455,800$566,425
Henrico$535,900$686,050$829,250$1,030,600
Henry$294,515$377,075$455,800$566,425
Highland$294,515$377,075$455,800$566,425
Hopewell City$535,900$686,050$829,250$1,030,600
Isle Of Wight$458,850$587,400$710,050$882,400
James City$458,850$587,400$710,050$882,400
King And Queen$294,515$377,075$455,800$566,425
King George$350,750$449,000$542,750$674,500
King William$535,900$686,050$829,250$1,030,600
Lancaster$442,750$566,800$685,100$851,450
Lee$294,515$377,075$455,800$566,425
Lexington City$307,050$393,050$475,150$590,500
Loudoun$679,650$870,225$1,051,875$1,307,175
Louisa$294,515$377,075$455,800$566,425
Lunenburg$294,515$377,075$455,800$566,425
Lynchburg City$294,515$377,075$455,800$566,425
Madison$294,515$377,075$455,800$566,425
Manassas City$679,650$870,225$1,051,875$1,307,175
Manassas Park C$679,650$870,225$1,051,875$1,307,175
Martinsville Ci$294,515$377,075$455,800$566,425
Mathews$458,850$587,400$710,050$882,400
Mecklenburg$294,515$377,075$455,800$566,425
Middlesex$294,515$377,075$455,800$566,425
Montgomery$294,515$377,075$455,800$566,425
Nelson$437,000$559,450$676,200$840,400
New Kent$535,900$686,050$829,250$1,030,600
Newport News Ci$458,850$587,400$710,050$882,400
Norfolk City$458,850$587,400$710,050$882,400
Northampton$294,515$377,075$455,800$566,425
Northumberland$318,550$407,800$492,950$612,600
Norton City$294,515$377,075$455,800$566,425
Nottoway$294,515$377,075$455,800$566,425
Orange$294,515$377,075$455,800$566,425
Page$294,515$377,075$455,800$566,425
Patrick$294,515$377,075$455,800$566,425
Petersburg City$535,900$686,050$829,250$1,030,600
Pittsylvania$294,515$377,075$455,800$566,425
Poquoson City$458,850$587,400$710,050$882,400
Portsmouth City$458,850$587,400$710,050$882,400
Powhatan$535,900$686,050$829,250$1,030,600
Prince Edward$294,515$377,075$455,800$566,425
Prince George$535,900$686,050$829,250$1,030,600
Prince William$679,650$870,225$1,051,875$1,307,175
Pulaski$294,515$377,075$455,800$566,425
Radford City$294,515$377,075$455,800$566,425
Rappahannock$679,650$870,225$1,051,875$1,307,175
Richmond$294,515$377,075$455,800$566,425
Richmond City$535,900$686,050$829,250$1,030,600
Roanoke$294,515$377,075$455,800$566,425
Roanoke City$294,515$377,075$455,800$566,425
Rockbridge$294,515$377,075$455,800$566,425
Rockingham$294,515$377,075$455,800$566,425
Russell$294,515$377,075$455,800$566,425
Salem City$294,515$377,075$455,800$566,425
Scott$294,515$377,075$455,800$566,425
Shenandoah$294,515$377,075$455,800$566,425
Smyth$294,515$377,075$455,800$566,425
Southampton$294,515$377,075$455,800$566,425
Spotsylvania$679,650$870,225$1,051,875$1,307,175
Stafford$679,650$870,225$1,051,875$1,307,175
Staunton City$294,515$377,075$455,800$566,425
Suffolk City$458,850$587,400$710,050$882,400
Surry$294,515$377,075$455,800$566,425
Sussex$535,900$686,050$829,250$1,030,600
Tazewell$294,515$377,075$455,800$566,425
Virginia Beach$458,850$587,400$710,050$882,400
Warren$679,650$870,225$1,051,875$1,307,175
Washington$294,515$377,075$455,800$566,425
Waynesboro City$294,515$377,075$455,800$566,425
Westmoreland$294,515$377,075$455,800$566,425
Williamsburg Ci$458,850$587,400$710,050$882,400
Winchester City$294,515$377,075$455,800$566,425
Wise$294,515$377,075$455,800$566,425
Wythe$294,515$377,075$455,800$566,425
York$458,850$587,400$710,050$882,400