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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in VA - Virginia FHA Mortgage

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.

Select County
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

Mortgage Rates by State

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