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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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Virginia Mortgages

2023 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 2023 FHA loan limits for each county in Virginia are below.

County Name One Family Two Family Three Family Four Family
Accomack One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Albemarle One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Alexandria City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Alleghany One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Amelia One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Amherst One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Appomattox One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Arlington One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Augusta One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bath One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bedford One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Botetourt One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bristol City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Brunswick One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Buchanan One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Buckingham One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Buena Vista Cit One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Campbell One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Caroline One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Carroll One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Charles City One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Charlotte One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Charlottesville One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Chesapeake City One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Chesterfield One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Clarke One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Colonial Height One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Covington City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Craig One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Culpeper One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Cumberland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Danville City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dickenson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dinwiddie One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Emporia City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Essex One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Fairfax One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Fairfax City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Falls Church Ci One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Fauquier One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Floyd One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Fluvanna One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Franklin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Franklin City One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Frederick One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Fredericksburg One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Galax City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Giles One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Gloucester One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Goochland One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Grayson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Greene One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Greensville One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Halifax One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hampton City One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Hanover One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Harrisonburg Ci One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Henrico One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Henry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Highland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hopewell City One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Isle Of Wight One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
James City One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
King And Queen One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
King George One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
King William One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Lancaster One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lee One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lexington City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Loudoun One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Louisa One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lunenburg One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lynchburg City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Madison One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Manassas City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Manassas Park C One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Martinsville Ci One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mathews One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Mecklenburg One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Middlesex One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Montgomery One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Nelson One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
New Kent One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Newport News Ci One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Norfolk City One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Northampton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Northumberland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Norton City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Nottoway One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Orange One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Page One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Patrick One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Petersburg City One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Pittsylvania One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Poquoson City One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Portsmouth City One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Powhatan One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Prince Edward One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Prince George One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Prince William One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Pulaski One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Radford City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Rappahannock One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Richmond One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Richmond City One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Roanoke One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Roanoke City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Rockbridge One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Rockingham One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Russell One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Salem City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Scott One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Shenandoah One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Smyth One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Southampton One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Spotsylvania One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Stafford One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Staunton City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Suffolk City One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Surry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Sussex One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Tazewell One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Virginia Beach One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Warren One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Washington One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Waynesboro City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Westmoreland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Williamsburg Ci One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
Winchester City One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Wise One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Wythe One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
York One Family$507,150 Two Family$649,250 Three Family$784,800 Four Family$975,300
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