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Updated: 7/23/2019
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Virginia Mortgages
2019 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.
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 2019 FHA loan limits for each county in Virginia are below.
| County Name | One Family | Two Family | Three Family | Four Family |
|---|
| Accomack | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Albemarle | One Family$437,000 | Two Family$559,450 | Three Family$676,200 | Four Family$840,400 |
| Alexandria City | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Alleghany | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Amelia | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Amherst | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Appomattox | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Arlington | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Augusta | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Bath | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Bedford | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Bedford City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Bland | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Botetourt | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Bristol City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Brunswick | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Buchanan | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Buckingham | One Family$437,000 | Two Family$559,450 | Three Family$676,200 | Four Family$840,400 |
| Buena Vista Cit | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Campbell | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Caroline | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Carroll | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Charles City | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Charlotte | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Charlottesville | One Family$437,000 | Two Family$559,450 | Three Family$676,200 | Four Family$840,400 |
| Chesapeake City | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Chesterfield | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Clarke | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Colonial Height | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Covington City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Craig | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Culpeper | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Cumberland | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Danville City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Dickenson | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Dinwiddie | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Emporia City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Essex | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Fairfax | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Fairfax City | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Falls Church Ci | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Fauquier | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Floyd | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Fluvanna | One Family$437,000 | Two Family$559,450 | Three Family$676,200 | Four Family$840,400 |
| Franklin | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Franklin City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Frederick | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Fredericksburg | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Galax City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Giles | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Gloucester | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Goochland | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Grayson | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Greene | One Family$437,000 | Two Family$559,450 | Three Family$676,200 | Four Family$840,400 |
| Greensville | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Halifax | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Hampton City | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Hanover | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Harrisonburg Ci | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Henrico | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Henry | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Highland | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Hopewell City | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Isle Of Wight | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| James City | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| King And Queen | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| King George | One Family$350,750 | Two Family$449,000 | Three Family$542,750 | Four Family$674,500 |
| 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$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Lexington City | One Family$354,200 | Two Family$453,450 | Three Family$548,100 | Four Family$681,150 |
| Loudoun | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Louisa | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Lunenburg | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Lynchburg City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Madison | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Manassas City | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Manassas Park C | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Martinsville Ci | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Mathews | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Mecklenburg | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Middlesex | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Montgomery | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Nelson | One Family$437,000 | Two Family$559,450 | Three Family$676,200 | Four Family$840,400 |
| New Kent | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Newport News Ci | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Norfolk City | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Northampton | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Northumberland | One Family$318,550 | Two Family$407,800 | Three Family$492,950 | Four Family$612,600 |
| Norton City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Nottoway | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Orange | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Page | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Patrick | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Petersburg City | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Pittsylvania | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Poquoson City | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Portsmouth City | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Powhatan | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Prince Edward | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Prince George | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Prince William | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Pulaski | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Radford City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Rappahannock | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Richmond | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Richmond City | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Roanoke | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Roanoke City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Rockbridge | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Rockingham | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Russell | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Salem City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Scott | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Shenandoah | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Smyth | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Southampton | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Spotsylvania | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Stafford | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Staunton City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Suffolk City | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Surry | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Sussex | One Family$535,900 | Two Family$686,050 | Three Family$829,250 | Four Family$1,030,600 |
| Tazewell | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Virginia Beach | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Warren | One Family$726,525 | Two Family$930,300 | Three Family$1,124,475 | Four Family$1,397,400 |
| Washington | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Waynesboro City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Westmoreland | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Williamsburg Ci | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |
| Winchester City | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Wise | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| Wythe | One Family$314,827 | Two Family$403,125 | Three Family$487,250 | Four Family$605,525 |
| York | One Family$458,850 | Two Family$587,400 | Three Family$710,050 | Four Family$882,400 |