State · 2026 limits
Virginia conforming loan limits 2026
Up to $1,249,125
highest one-unit conforming limit in Virginia, 2026 (17 counties, including Fairfax County and Alexandria City)
Limits by county from FHFA. Informational only, not lending advice.
Counties133in FHFA's file
Above the baseline18high-cost counties
Highest 4-unit limit$2,402,62517 counties, including Fairfax County and Alexandria City
Rose since 2025132of 133 counties
Counties above the baseline
One-unit limit, 2026. 18 of 133 counties are above the $832,750 baseline; top 12 shown. The table below lists every county.
Source: FHFA 2026 county loan limit file.
Every Virginia county
No rows match.
| Alexandria City | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
|---|---|---|---|---|---|
| Arlington County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Clarke County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Culpeper County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Fairfax City | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Fairfax County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Falls Church City | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Fauquier County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Fredericksburg City | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Loudoun County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Manassas City | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Manassas Park City | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Prince William County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Rappahannock County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Spotsylvania County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Stafford County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Warren County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Madison County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Accomack County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Albemarle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Alleghany County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Amelia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Amherst County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Appomattox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Augusta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bath County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bedford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Botetourt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bristol City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Brunswick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Buchanan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Buckingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Buena Vista City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Campbell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Caroline County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Charles City County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Charlotte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Charlottesville City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Chesapeake City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Chesterfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Colonial Heights City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Covington City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Craig County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Danville City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Dickenson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Dinwiddie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Emporia City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Essex County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Floyd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Fluvanna County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Franklin City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Frederick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Galax City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Giles County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Gloucester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Goochland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Grayson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Greensville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Halifax County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hampton City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hanover County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Harrisonburg City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Henrico County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Highland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hopewell City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Isle of Wight County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| James City County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| King George County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| King William County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| King and Queen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lancaster County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lexington City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Louisa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lunenburg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lynchburg City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Martinsville City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Mathews County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Mecklenburg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Middlesex County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Nelson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| New Kent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Newport News City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Norfolk City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Northampton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Northumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Norton City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Nottoway County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Orange County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Page County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Patrick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Petersburg City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Pittsylvania County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Poquoson City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Portsmouth City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Powhatan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Prince Edward County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Prince George County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Pulaski County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Radford City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Richmond City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Richmond County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Roanoke City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Roanoke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Rockbridge County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Rockingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Russell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Salem City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Shenandoah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Smyth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Southampton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Staunton City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Suffolk City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Surry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Sussex County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Tazewell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Virginia Beach City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Waynesboro City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Westmoreland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Williamsburg City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Winchester City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Wise County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Wythe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| York County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
FHA limits in Virginia
HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026. HUD's lookup has the exact county figures.
Questions
What is the 2026 conforming loan limit in Virginia?
It depends on the county: from $832,750 to $1,249,125 for a one-unit home. 18 of 133 counties are above the baseline.
Which Virginia counties have the highest loan limits?
17 counties share the top limit of $1,249,125: Alexandria City, Arlington County, Clarke County, Culpeper County, Fairfax City, Fairfax County, Falls Church City, Fauquier County, Fredericksburg City, Loudoun County, Manassas City, Manassas Park City and others.
What is the FHA loan limit in Virginia for 2026?
HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit. HUD's FHA Mortgage Limits lookup has each county's exact figure.
Is a loan above the Virginia limit a jumbo loan?
Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.
Sources
- U.S. Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 full county loan limit list (HERA-based, final, flat file; 3,235 county rows; downloaded November 1, 2026)
- FHFA, 2025 full county loan limit list (3,234 county rows), used for year-over-year change
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- U.S. Department of Housing and Urban Development, HUD's Federal Housing Administration Announces 2026 Loan Limits (December 11, 2025) and Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits
- HUD, FHA Mortgage Limits lookup (exact FHA limit by county and metro area)
Figures as published by the agencies. See sources and method.