FHA Loan Limits and USDA Eligibility in Spotsylvania County, Virginia
2026 FHA one-unit limit in Spotsylvania County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $153,550. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for Virginia
USDA Property Eligibility and Income Limits Map for Virginia
Spotsylvania County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 22405 | $1,249,125 | $153,550 |
| 22407 | $1,249,125 | $138,700 to $153,550 |
| 22408 | $1,249,125 | $124,400 to $153,550 |
| 22508 | $1,249,125 | $134,000 to $153,550 |
| 22534 | $1,249,125 | $153,550 |
| 22546 | $1,249,125 | $124,400 to $153,550 |
| 22551 | $1,249,125 | $134,000 to $153,550 |
| 22553 | $1,249,125 | $153,550 |
| 22580 | $1,249,125 | $124,400 to $153,550 |
| 22960 | $1,249,125 | $122,800 to $153,550 |
| 23015 | $1,249,125 | $123,050 to $153,550 |
| 23024 | $1,249,125 | $123,050 to $153,550 |
| 23117 | $1,249,125 | $123,050 to $153,550 |
| 23177 | $1,249,125 | $122,800 to $130,550 |
| 23452 | $1,249,125 | $123,850 |
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Loan Options in Spotsylvania County
A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Spotsylvania County address. Then they can match you if you qualify.
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