Current FHA Mortgage Rates in VA - Virginia FHA Mortgage
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The mortgage products on HSH.com are from companies from which HSH.com may receive compensation. Compensation may impact where products appear on HSH.com (including the order in which they appear). HSH.com does not include all mortgage companies or all types of products available in the marketplace.
The rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the HSH quotes. Annual percentage rate in ARM products may increase after the loan is closed. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.
Some data is provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.
**Requesting prequalified rates on Credible is free and doesn’t affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
The rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the HSH quotes. Annual percentage rate in ARM products may increase after the loan is closed. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.
Some data is provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.
**Requesting prequalified rates on Credible is free and doesn’t affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
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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.
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Select County
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| County Name | One Family | Two Family | Three Family | Four Family |
|---|
| Accomack | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Albemarle | One Family$545,100 | Two Family$697,800 | Three Family$843,500 | Four Family$1,048,300 |
| Alexandria City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Alleghany | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Amelia | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Amherst | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Appomattox | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Arlington | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Augusta | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Bath | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Bedford | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Bland | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Botetourt | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Bristol City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Brunswick | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Buchanan | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Buckingham | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Buena Vista Cit | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Campbell | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Caroline | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Carroll | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Charles City | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Charlotte | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Charlottesville | One Family$545,100 | Two Family$697,800 | Three Family$843,500 | Four Family$1,048,300 |
| Chesapeake City | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Chesterfield | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Clarke | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Colonial Height | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Covington City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Craig | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Culpeper | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Cumberland | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Danville City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Dickenson | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Dinwiddie | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Emporia City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Essex | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Fairfax | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Fairfax City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Falls Church Ci | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Fauquier | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Floyd | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Fluvanna | One Family$545,100 | Two Family$697,800 | Three Family$843,500 | Four Family$1,048,300 |
| Franklin | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Franklin City | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Frederick | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Fredericksburg | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Galax City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Giles | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Gloucester | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Goochland | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Grayson | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Greene | One Family$545,100 | Two Family$697,800 | Three Family$843,500 | Four Family$1,048,300 |
| Greensville | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Halifax | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Hampton City | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Hanover | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Harrisonburg Ci | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Henrico | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Henry | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Highland | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Hopewell City | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Isle Of Wight | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| James City | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| King And Queen | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| King George | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| King William | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Lancaster | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Lee | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Lexington City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Loudoun | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Louisa | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Lunenburg | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Lynchburg City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Madison | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Manassas City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Manassas Park C | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Martinsville Ci | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Mathews | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Mecklenburg | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Middlesex | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Montgomery | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Nelson | One Family$545,100 | Two Family$697,800 | Three Family$843,500 | Four Family$1,048,300 |
| New Kent | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Newport News Ci | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Norfolk City | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Northampton | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Northumberland | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Norton City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Nottoway | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Orange | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Page | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Patrick | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Petersburg City | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Pittsylvania | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Poquoson City | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Portsmouth City | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Powhatan | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Prince Edward | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Prince George | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Prince William | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Pulaski | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Radford City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Rappahannock | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Richmond | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Richmond City | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Roanoke | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Roanoke City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Rockbridge | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Rockingham | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Russell | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Salem City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Scott | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Shenandoah | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Smyth | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Southampton | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Spotsylvania | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Stafford | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Staunton City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Suffolk City | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Surry | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Sussex | One Family$631,350 | Two Family$808,250 | Three Family$977,000 | Four Family$1,214,150 |
| Tazewell | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Virginia Beach | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Warren | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
| Washington | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Waynesboro City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Westmoreland | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Williamsburg Ci | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |
| Winchester City | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Wise | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| Wythe | One Family$498,257 | Two Family$637,950 | Three Family$771,125 | Four Family$958,350 |
| York | One Family$690,000 | Two Family$883,300 | Three Family$1,067,750 | Four Family$1,326,950 |