FHA Home Loans Virginia

FHA loans have been helping Virginia residents since 1934 

A Virginia FHA Lender can offer you a better loan including:

  • Low down payments (if any)

  • Low closing costs

  • Easy credit qualifying

  • 48 hour Streamline Refinancing

How it works:

   Determine the best type of FHA loan that best fits your needs

   Complete an easy 2 minute form

   An FHA Loan Specialist will respond within 1 business day.

   Review with no obligations your loan approval and locked rate. 

           

             Free Online Application

  • As of January 1, 2014 , Borrowers can finance 96.5% of the purchase price and put down only 3.5 percent. In some instances, when combined with other types of loans, the down payment can be zero.

  • Allowable refinance up to 115% of your homes value.

  • Let us help roll your closing costs into your loan total.

 
9:00am Eastern
Product Interest Rate APR
Conforming 1and FHA Loans
30-Year Fixed 3.750% 3.925%
30-Year Fixed FHA 3.750% 4.827%
15-Year Fixed 3.000% 3.308%
5-Year ARM 2.250% 3.153%
5-Year ARM FHA 2.500% 3.089%
Larger Loan Amounts in Eligible Areas Conforming and FHA.1
30-Year Fixed 3.875% 4.004%
30-Year Fixed FHA 3.750% 4.775%
5-Year ARM 2.500% 3.195%
Jumbo1 Loans Amounts that exceed conforming loan limits1
30-Year Fixed 4.125% 4.256%
5-Year ARM 2.625% 3.328%

1Important Disclosures >View/ Print

 

Virginia FHA Lending Limits

 

County Single Family 2 Units 3 Units 4 Units
ACCOMACK $200,160 $256,248 $309,744 $384,936
ALBEMARLE $303,525 $341,865 $415,350 $479,250
ALEXANDRIA $362,790 $464,449 $561,411 $675,000
ALLEGHANY $200,160 $256,248 $309,744 $384,936
AMELIA $261,725 $294,785 $358,150 $413,250
AMHERST $200,160 $256,248 $309,744 $384,936
APPOMATTOX $200,160 $256,248 $309,744 $384,936
ARLINGTON $362,790 $464,449 $561,411 $675,000
AUGUSTA $200,160 $256,248 $309,744 $384,936
BATH $200,160 $256,248 $309,744 $384,936
BEDFORD $200,160 $256,248 $309,744 $384,936
BEDFORD IND $200,160 $256,248 $309,744 $384,936
BLAND $200,160 $256,248 $309,744 $384,936
BOTETOURT $200,160 $256,248 $309,744 $384,936
BRISTOL $200,160 $256,248 $309,744 $384,936
BRUNSWICK $200,160 $256,248 $309,744 $384,936
BUCHANAN $200,160 $256,248 $309,744 $384,936
BUCKINGHAM $200,160 $256,248 $309,744 $384,936
BUENA VISTA $200,160 $256,248 $309,744 $384,936
CAMPBELL $200,160 $256,248 $309,744 $384,936
CAROLINE $261,725 $294,785 $358,150 $413,250
CARROLL $200,160 $256,248 $309,744 $384,936
CHARLES CITY $261,725 $294,785 $358,150 $413,250
CHARLOTTE $200,160 $256,248 $309,744 $384,936
CHARLOTTESVILLE $303,525 $341,865 $415,350 $479,250
CHESAPEAKE $313,500 $353,100 $429,000 $495,000
CHESTERFIELD $261,725 $294,785 $358,150 $413,250
CLARKE $362,790 $464,449 $561,411 $675,000
CLIFTON FORGE $200,160 $256,248 $309,744 $384,936
COLONIAL HEIGHT $261,725 $294,785 $358,150 $413,250
COVINGTON $200,160 $256,248 $309,744 $384,936
CRAIG $200,160 $256,248 $309,744 $384,936
CULPEPER $290,319 $340,816 $414,076 $477,780
CUMBERLAND $261,725 $294,785 $358,150 $413,250
DANVILLE $200,160 $256,248 $309,744 $384,936
DICKENSON $200,160 $256,248 $309,744 $384,936
DINWIDDIE $261,725 $294,785 $358,150 $413,250
EMPORIA $200,160 $256,248 $309,744 $384,936
ESSEX $200,160 $256,248 $309,744 $384,936
FAIRFAX $362,790 $464,449 $561,411 $675,000
FAIRFAX IND $362,790 $464,449 $561,411 $675,000
FALLS CHURCH $362,790 $464,449 $561,411 $675,000
FAUQUIER $362,790 $464,449 $561,411 $675,000
FLOYD $200,160 $256,248 $309,744 $384,936
FLUVANNA $303,525 $341,865 $415,350 $479,250
FRANKLIN $200,160 $256,248 $309,744 $384,936
FRANKLIN IND $200,160 $256,248 $309,744 $384,936
FREDERICK $361,000 $406,600 $494,000 $570,000
FREDERICKSBURG $362,790 $464,449 $561,411 $675,000
GALAX $200,160 $256,248 $309,744 $384,936
GILES $200,160 $256,248 $309,744 $384,936
GLOUCESTER $313,500 $353,100 $429,000 $495,000
GOOCHLAND $261,725 $294,785 $358,150 $413,250
GRAYSON $200,160 $256,248 $309,744 $384,936
GREENE $303,525 $341,865 $415,350 $479,250
GREENSVILLE $200,160 $256,248 $309,744 $384,936
HALIFAX $200,160 $256,248 $309,744 $384,936
HAMPTON $313,500 $353,100 $429,000 $495,000
HANOVER $261,725 $294,785 $358,150 $413,250
HARRISONBURG $200,160 $256,248 $309,744 $384,936
HENRICO $261,725 $294,785 $358,150 $413,250
HENRY $200,160 $256,248 $309,744 $384,936
HIGHLAND $200,160 $256,248 $309,744 $384,936
HOPEWELL $261,725 $294,785 $358,150 $413,250
ISLE OF WIGHT $313,500 $353,100 $429,000 $495,000
JAMES CITY $313,500 $353,100 $429,000 $495,000
KING AND QUEEN $261,725 $294,785 $358,150 $413,250
KING GEORGE $290,319 $340,816 $414,076 $477,780
KING WILLIAM $261,725 $294,785 $358,150 $413,250
LANCASTER $200,160 $256,248 $309,744 $384,936
LEE $200,160 $256,248 $309,744 $384,936
LEXINGTON $200,160 $256,248 $309,744 $384,936
LOUDOUN $362,790 $464,449 $561,411 $675,000
LOUISA $261,725 $294,785 $358,150 $413,250
LUNENBURG $200,160 $256,248 $309,744 $384,936
LYNCHBURG $200,160 $256,248 $309,744 $384,936
MADISON $200,160 $256,248 $309,744 $384,936
MANASSAS $362,790 $464,449 $561,411 $675,000
MANASSAS PARK $362,790 $464,449 $561,411 $675,000
MARTINSVILLE $200,160 $256,248 $309,744 $384,936
MATHEWS $313,500 $353,100 $429,000 $495,000
MECKLENBURG $200,160 $256,248 $309,744 $384,936
MIDDLESEX $200,160 $256,248 $309,744 $384,936
MONTGOMERY $200,160 $256,248 $309,744 $384,936
NELSON $303,525 $341,865 $415,350 $479,250
NEW KENT $261,725 $294,785 $358,150 $413,250
NEWPORT NEWS $313,500 $353,100 $429,000 $495,000
NORFOLK $313,500 $353,100 $429,000 $495,000
NORTHAMPTON $200,160 $256,248 $309,744 $384,936
NORTHUMBERLAND $200,160 $256,248 $309,744 $384,936
NORTON $200,160 $256,248 $309,744 $384,936
NOTTOWAY $200,160 $256,248 $309,744 $384,936
ORANGE $200,160 $256,248 $309,744 $384,936
PAGE $200,160 $256,248 $309,744 $384,936
PATRICK $200,160 $256,248 $309,744 $384,936
PETERSBURG $261,725 $294,785 $358,150 $413,250
PITTSYLVANIA $200,160 $256,248 $309,744 $384,936
POQUOSON $313,500 $353,100 $429,000 $495,000
PORTSMOUTH $313,500 $353,100 $429,000 $495,000
POWHATAN $261,725 $294,785 $358,150 $413,250
PRINCE EDWARD $200,160 $256,248 $309,744 $384,936
PRINCE GEORGE $261,725 $294,785 $358,150 $413,250
PRINCE WILLIAM $362,790 $464,449 $561,411 $675,000
PULASKI $200,160 $256,248 $309,744 $384,936
RADFORD $200,160 $256,248 $309,744 $384,936
RAPPAHANNOCK $200,160 $256,248 $309,744 $384,936
RICHMOND $200,160 $256,248 $309,744 $384,936
RICHMOND IND $261,725 $294,785 $358,150 $413,250
ROANOKE $200,160 $256,248 $309,744 $384,936
ROANOKE IND $200,160 $256,248 $309,744 $384,936
ROCKBRIDGE $200,160 $256,248 $309,744 $384,936
ROCKINGHAM $200,160 $256,248 $309,744 $384,936
RUSSELL $200,160 $256,248 $309,744 $384,936
SALEM $200,160 $256,248 $309,744 $384,936
SCOTT $200,160 $256,248 $309,744 $384,936
SHENANDOAH $200,160 $256,248 $309,744 $384,936
SMYTH $200,160 $256,248 $309,744 $384,936
SOUTHAMPTON $200,160 $256,248 $309,744 $384,936
SPOTSYLVANIA $362,790 $464,449 $561,411 $675,000
STAFFORD $362,790 $464,449 $561,411 $675,000
STAUNTON $200,160 $256,248 $309,744 $384,936
SUFFOLK $313,500 $353,100 $429,000 $495,000
SURRY $313,500 $353,100 $429,000 $495,000
SUSSEX $261,725 $294,785 $358,150 $413,250
TAZEWELL $200,160 $256,248 $309,744 $384,936
VIRGINIA BEACH $313,500 $353,100 $429,000 $495,000
WARREN $362,790 $464,449 $561,411 $675,000
WASHINGTON $200,160 $256,248 $309,744 $384,936
WAYNESBORO $200,160 $256,248 $309,744 $384,936
WESTMORELAND $200,160 $256,248 $309,744 $384,936
WILLIAMSBURG $313,500 $353,100 $429,000 $495,000
WINCHESTER $361,000 $406,600 $494,000 $570,000
WISE $200,160 $256,248 $309,744 $384,936
WYTHE $200,160 $256,248 $309,744 $384,936
YORK $313,500 $353,100 $429,000 $495,000

 

 
 
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