Refinance or buy a home with a low 3.5% down payment! Get Started Now ➔

Virginia Loan Limits

2023 Loan Limits

2023 Loan limits in Virginia by county. Click on the map below to view loan limits for a particular county.

Virginia Map

Minimum Loan Limit
Maximum Loan Limit

Virginia has 133 counties, with conforming loan limits for a single-family home ranging from $726,200 in Accomack County to $1,089,300 in Arlington County.

Virginia has 115 counties with standard or low-cost loan limits equal to the national baseline; 18 counties with high-cost loan limits equal to the national ceiling; and 0 counties with mid-range loan limits that are between the baseline and ceiling.

View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.

Counties in Virginia (133)

High-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Arlington County $1,053,000 $1,089,300
Clarke County $1,053,000 $1,089,300
Culpeper County $1,053,000 $1,089,300
Fairfax County $1,053,000 $1,089,300
Fauquier County $1,053,000 $1,089,300
Loudoun County $1,053,000 $1,089,300
Madison County $1,053,000 $1,089,300
Prince William County $1,053,000 $1,089,300
Rappahannock County $1,053,000 $1,089,300
Spotsylvania County $1,053,000 $1,089,300
Stafford County $1,053,000 $1,089,300
Warren County $1,053,000 $1,089,300
Alexandria city $1,053,000 $1,089,300
Fairfax city $1,053,000 $1,089,300
Falls Church city $1,053,000 $1,089,300
Fredericksburg city $1,053,000 $1,089,300
Manassas city $1,053,000 $1,089,300
Manassas Park city $1,053,000 $1,089,300
Low-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Accomack County $169,000 $726,200
Albemarle County $441,000 $726,200
Alleghany County $163,000 $726,200
Amelia County $475,000 $726,200
Amherst County $279,000 $726,200
Appomattox County $279,000 $726,200
Augusta County $290,000 $726,200
Bath County $136,000 $726,200
Bedford County $279,000 $726,200
Bland County $146,000 $726,200
Botetourt County $278,000 $726,200
Brunswick County $197,000 $726,200
Buchanan County $109,000 $726,200
Buckingham County $155,000 $726,200
Campbell County $279,000 $726,200
Caroline County $466,000 $726,200
Carroll County $165,000 $726,200
Charles City County $475,000 $726,200
Charlotte County $124,000 $726,200
Chesterfield County $475,000 $726,200
Craig County $278,000 $726,200
Cumberland County $466,000 $726,200
Dickenson County $90,000 $726,200
Dinwiddie County $475,000 $726,200
Essex County $215,000 $726,200
Floyd County $195,000 $726,200
Fluvanna County $441,000 $726,200
Franklin County $278,000 $726,200
Frederick County $350,000 $726,200
Giles County $280,000 $726,200
Gloucester County $441,000 $726,200
Goochland County $475,000 $726,200
Grayson County $130,000 $726,200
Greene County $441,000 $726,200
Greensville County $139,000 $726,200
Halifax County $127,000 $726,200
Hanover County $475,000 $726,200
Henrico County $475,000 $726,200
Henry County $134,000 $726,200
Highland County $203,000 $726,200
Isle of Wight County $441,000 $726,200
James City County $441,000 $726,200
King and Queen County $475,000 $726,200
King George County $395,000 $726,200
King William County $475,000 $726,200
Lancaster County $385,000 $726,200
Lee County $88,000 $726,200
Louisa County $466,000 $726,200
Lunenburg County $114,000 $726,200
Mathews County $441,000 $726,200
Mecklenburg County $159,000 $726,200
Middlesex County $325,000 $726,200
Montgomery County $280,000 $726,200
Nelson County $441,000 $726,200
New Kent County $475,000 $726,200
Northampton County $240,000 $726,200
Northumberland County $292,000 $726,200
Nottoway County $174,000 $726,200
Orange County $320,000 $726,200
Page County $220,000 $726,200
Patrick County $150,000 $726,200
Pittsylvania County $162,000 $726,200
Powhatan County $475,000 $726,200
Prince Edward County $177,000 $726,200
Prince George County $475,000 $726,200
Pulaski County $280,000 $726,200
Richmond County $211,000 $726,200
Roanoke County $278,000 $726,200
Rockbridge County $280,000 $726,200
Rockingham County $295,000 $726,200
Russell County $119,000 $726,200
Scott County $208,000 $726,200
Shenandoah County $240,000 $726,200
Smyth County $123,000 $726,200
Southampton County $441,000 $726,200
Surry County $234,000 $726,200
Sussex County $475,000 $726,200
Tazewell County $146,000 $726,200
Washington County $208,000 $726,200
Westmoreland County $240,000 $726,200
Wise County $127,000 $726,200
Wythe County $175,000 $726,200
York County $441,000 $726,200
Bristol city $208,000 $726,200
Buena Vista city $134,000 $726,200
Charlottesville city $441,000 $726,200
Chesapeake city $441,000 $726,200
Colonial Heights city $475,000 $726,200
Covington city $88,000 $726,200
Danville city $162,000 $726,200
Emporia city $211,000 $726,200
Franklin city $441,000 $726,200
Galax city $161,000 $726,200
Hampton city $441,000 $726,200
Harrisonburg city $295,000 $726,200
Hopewell city $475,000 $726,200
Lexington city $325,000 $726,200
Lynchburg city $279,000 $726,200
Martinsville city $134,000 $726,200
Newport News city $441,000 $726,200
Norfolk city $441,000 $726,200
Norton city $127,000 $726,200
Petersburg city $475,000 $726,200
Poquoson city $441,000 $726,200
Portsmouth city $441,000 $726,200
Radford city $280,000 $726,200
Richmond city $475,000 $726,200
Roanoke city $278,000 $726,200
Salem city $278,000 $726,200
Staunton city $290,000 $726,200
Suffolk city $441,000 $726,200
Virginia Beach city $441,000 $726,200
Waynesboro city $290,000 $726,200
Williamsburg city $441,000 $726,200
Winchester city $350,000 $726,200

More on Virginia

Want to learn more about Virginia? See Fair Market Rents in Virginia to view 40th percentile FMRs or click here to find a Public Housing Authority in Virginia who can help with finding affordable housing near you.

Citation

Link to this Page:

Questions or Comments? Contact us

Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2023


Refinance or buy a home with a low 3.5% down payment! Get Started Now ➔