FHA Loan Limits and USDA Eligibility in Virginia
2026 FHA one-unit limits in Virginia range from $541,287 to $1,249,125. About 78% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Virginia
FHA Eligibility Requirements
You need to meet all six. Loan limits in Virginia are set by county. DTI is a lender call. An FHA lender confirms the official answer.
3.5% down payment
Minimum is 3.5% (580+ score) or 10% (500–579). FHA allows the full amount to come from a gift: family, employer, labor union, or an approved program. A signed gift letter is required.
Credit score 580+ for 3.5% down
580+ qualifies for 3.5% down. 500–579 generally requires 10% down. Lenders often set their own floor above the FHA minimum.
Debt-to-income within FHA guidelines
Guidelines target a housing ratio around 31% and total DTI around 43%. Automated underwriting can approve stronger files above those thresholds. Manual underwriting uses tighter caps.
Check DTI on the affordability calculatorPrimary residence only
The home must be your main residence, not a second home or investment property. You must move in within the timeline FHA and your contract require.
1–4 unit home that meets FHA standards
One-to-four unit homes, FHA approved condos, and some manufactured homes that meet FHA rules. For 2–4 units you must live in one unit. The home must pass an FHA appraisal.
Loan amount at or below the county limit
2026 one-unit limits start at $541,287 in most counties and go up to $1,249,125 in high-cost areas. 2–4 unit limits are higher. Enter a ZIP to see every FHA county on that ZIP.
See 2026 FHA loan limitsUSDA Property Eligibility and Income Limits Map for Virginia
USDA Eligibility Requirements
You need to meet all six. Property location and income in Virginia vary by area. A USDA approved lender confirms the official answer.
Property in a USDA eligible area
The home must be in a USDA designated rural or suburban area. Over 97% of U.S. land qualifies, including many suburbs near major cities. Use the eligibility map to check any address.
Check your area on the mapHousehold income at or below the area limit
USDA caps household income at 115% of the area median, with a national floor of $122,800 for 1–4 person households. Every adult in the home counts, not just borrowers. Deductions for dependents and childcare can help.
Check income limits for your ZIPPrimary residence only
The home must be your full-time primary residence. Investment properties and second homes are not eligible. You must intend to occupy the home within 60 days of closing.
Single-family property (1 unit)
USDA Guaranteed loans cover single-unit homes only. Duplexes and multi-unit properties do not qualify, even with owner occupancy. Condos and manufactured homes are eligible under specific conditions. For house-hacking a 2–4 unit property, FHA and VA are the right tools. USDA is not.
U.S. citizenship or qualified alien status
You must be a U.S. citizen, U.S. non-citizen national, or qualified alien. Permanent residents with a green card generally qualify. Your lender will verify documentation.
Credit score 640+ typical
USDA does not set a hard credit floor, but most lenders require 640+ for streamlined approval. Some lenders go lower with compensating factors. Your full credit profile (payment history, DTI, reserves) matters as much as the score.
Virginia FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Accomack County | $541,287 | $122,800 |
| Albemarle County | $598,000 | $153,550 |
| Alexandria City | $1,249,125 | $153,550 |
| Alleghany County | $541,287 | $122,800 |
| Amelia County | $707,250 | $130,550 |
| Amherst County | $541,287 | $122,800 |
| Appomattox County | $541,287 | $122,800 |
| Arlington County | $1,249,125 | $153,550 |
| Augusta County | $541,287 | $122,800 |
| Bath County | $541,287 | $122,800 |
| Bedford County | $541,287 | $122,800 |
| Bland County | $541,287 | $122,800 |
| Botetourt County | $541,287 | $122,800 |
| Bristol City | $541,287 | $122,800 |
| Brunswick County | $541,287 | $122,800 |
| Buchanan County | $541,287 | $122,800 |
| Buckingham County | $541,287 | $122,800 |
| Buena Vista City | $541,287 | $122,800 |
| Campbell County | $541,287 | $122,800 |
| Caroline County | $541,287 | $124,400 |
| Carroll County | $541,287 | $122,800 |
| Charles City County | $707,250 | $130,550 |
| Charlotte County | $541,287 | $122,800 |
| Charlottesville City | $598,000 | $153,550 |
| Chesapeake City | $757,850 | $123,850 |
| Chesterfield County | $707,250 | $130,550 |
| Clarke County | $1,249,125 | $153,550 |
| Colonial Heights City | $707,250 | $130,550 |
| Covington City | $541,287 | $122,800 |
| Craig County | $541,287 | $122,800 |
| Culpeper County | $1,249,125 | $138,700 |
| Cumberland County | $541,287 | $122,800 |
| Danville City | $541,287 | $122,800 |
| Dickenson County | $541,287 | $122,800 |
| Dinwiddie County | $707,250 | $130,550 |
| Emporia City | $541,287 | $122,800 |
| Essex County | $541,287 | $122,800 |
| Fairfax City | $1,249,125 | $153,550 |
| Fairfax County | $1,249,125 | $153,550 |
| Falls Church City | $1,249,125 | $153,550 |
| Fauquier County | $1,249,125 | $153,550 |
| Floyd County | $541,287 | $122,800 |
| Fluvanna County | $598,000 | $153,550 |
| Franklin City | $541,287 | $122,800 |
| Franklin County | $541,287 | $122,800 |
| Frederick County | $541,287 | $130,100 |
| Fredericksburg City | $1,249,125 | $153,550 |
| Galax City | $541,287 | $122,800 |
| Giles County | $541,287 | $122,800 |
| Gloucester County | $757,850 | $123,850 |
| Goochland County | $707,250 | $130,550 |
| Grayson County | $541,287 | $122,800 |
| Greene County | $598,000 | $153,550 |
| Greensville County | $541,287 | $122,800 |
| Halifax County | $541,287 | $122,800 |
| Hampton City | $757,850 | $123,850 |
| Hanover County | $707,250 | $130,550 |
| Harrisonburg City | $541,287 | $122,800 |
| Henrico County | $707,250 | $130,550 |
| Henry County | $541,287 | $122,800 |
| Highland County | $541,287 | $122,800 |
| Hopewell City | $707,250 | $130,550 |
| Isle of Wight County | $757,850 | $123,850 |
| James City County | $757,850 | $123,850 |
| King and Queen County | $707,250 | $122,800 |
| King George County | $541,287 | $153,550 |
| King William County | $707,250 | $130,550 |
| Lancaster County | $541,287 | $122,800 |
| Lee County | $541,287 | $122,800 |
| Lexington City | $541,287 | $122,800 |
| Loudoun County | $1,249,125 | $153,550 |
| Louisa County | $541,287 | $123,050 |
| Lunenburg County | $541,287 | $122,800 |
| Lynchburg City | $541,287 | $122,800 |
| Madison County | $541,287 | $122,800 |
| Manassas City | $1,249,125 | $153,550 |
| Manassas Park City | $1,249,125 | $153,550 |
| Martinsville City | $541,287 | $122,800 |
| Mathews County | $757,850 | $123,850 |
| Mecklenburg County | $541,287 | $122,800 |
| Middlesex County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $137,550 |
| Nelson County | $598,000 | $153,550 |
| New Kent County | $707,250 | $130,550 |
| Newport News City | $757,850 | $123,850 |
| Norfolk City | $757,850 | $123,850 |
| Northampton County | $541,287 | $122,800 |
| Northumberland County | $541,287 | $122,800 |
| Norton City | $541,287 | $122,800 |
| Nottoway County | $541,287 | $122,800 |
| Orange County | $541,287 | $134,000 |
| Page County | $541,287 | $122,800 |
| Patrick County | $541,287 | $122,800 |
| Petersburg City | $707,250 | $130,550 |
| Pittsylvania County | $541,287 | $122,800 |
| Poquoson City | $757,850 | $123,850 |
| Portsmouth City | $757,850 | $123,850 |
| Powhatan County | $707,250 | $130,550 |
| Prince Edward County | $541,287 | $122,800 |
| Prince George County | $707,250 | $130,550 |
| Prince William County | $1,249,125 | $153,550 |
| Pulaski County | $541,287 | $122,800 |
| Radford City | $541,287 | $137,550 |
| Rappahannock County | $1,249,125 | $124,550 |
| Richmond City | $707,250 | $122,800 to $130,550 |
| Richmond County | $541,287 | $122,800 to $130,550 |
| Roanoke City | $541,287 | $122,800 |
| Roanoke County | $541,287 | $122,800 |
| Rockbridge County | $541,287 | $122,800 |
| Rockingham County | $541,287 | $122,800 |
| Russell County | $541,287 | $122,800 |
| Salem City | $541,287 | $122,800 |
| Scott County | $541,287 | $122,800 |
| Shenandoah County | $541,287 | $122,800 |
| Smyth County | $541,287 | $122,800 |
| Southampton County | $541,287 | $122,800 |
| Spotsylvania County | $1,249,125 | $153,550 |
| Stafford County | $1,249,125 | $153,550 |
| Staunton City | $541,287 | $122,800 |
| Suffolk City | $757,850 | $123,850 |
| Surry County | $757,850 | $122,800 |
| Sussex County | $707,250 | $130,550 |
| Tazewell County | $541,287 | $122,800 |
| Virginia Beach City | $757,850 | $123,850 |
| Warren County | $1,249,125 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Waynesboro City | $541,287 | $122,800 |
| Westmoreland County | $541,287 | $122,800 |
| Williamsburg City | $757,850 | $123,850 |
| Winchester City | $541,287 | $130,100 |
| Wise County | $541,287 | $122,800 |
| Wythe County | $541,287 | $122,800 |
| York County | $757,850 | $123,850 |
Connect with a Lender in Virginia
Connect with a lender to confirm FHA loan limits, USDA income limits, and a specific Virginia address. Only a lender can confirm your official eligibility.
Loan Options in Virginia
A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.
Connect with a lender
NMLS-licensed lenders Fast Lender Matching No initial credit impact
Powered by Mortgage Research Center, NMLS #1907 — Trusted since 2002