$832,750–$1,249,125
The one-unit conforming limit varies by county-equivalent area. This cap applies to the loan, not the sale price.
Compare Virginia mortgage rates—and the costs behind them.
There is no single mortgage rate for every Virginia borrower. Match the loan type, amount, points and lock period before comparing written offers. Then check your county’s loan limit, property expenses and assistance terms so a smaller estimate does not hide a larger bill.
Educational coverage does not guarantee an available originator. You choose whether to share contact details.
What should a Virginia mortgage shopper check first?
Start with the property’s county or equivalent area, the number of units, and the lender’s authority to originate your loan.
133 areas
The highest one-unit limit appears in Arlington County, Clarke County, Culpeper County and other areas. Look up the actual property below.
Virginia Housing
Use the agency’s current information to check programs and participating lenders.
Visit the housing agency ↗Sources: FHFA’s 2026 county table and NCSHA’s state agency directory. Checked September 20, 2026.
2026 Virginia conforming loan limits by county
Use the property’s exact jurisdiction and unit count. Being below the limit does not establish approval, a down-payment requirement or a rate; ask whether a quote uses standard conforming, high-balance or jumbo pricing.
133 of 133 areas shown. Source: FHFA 2026 county table. Search changes this table only.
| County or equivalent area | Maximum loan amount |
|---|---|
| Accomack County | $832,750 |
| Albemarle County | $832,750 |
| Alleghany County | $832,750 |
| Amelia County | $832,750 |
| Amherst County | $832,750 |
| Appomattox County | $832,750 |
| Arlington County | $1,249,125 |
| Augusta County | $832,750 |
| Bath County | $832,750 |
| Bedford County | $832,750 |
| Bland County | $832,750 |
| Botetourt County | $832,750 |
| Brunswick County | $832,750 |
| Buchanan County | $832,750 |
| Buckingham County | $832,750 |
| Campbell County | $832,750 |
| Caroline County | $832,750 |
| Carroll County | $832,750 |
| Charles City County | $832,750 |
| Charlotte County | $832,750 |
| Chesterfield County | $832,750 |
| Clarke County | $1,249,125 |
| Craig County | $832,750 |
| Culpeper County | $1,249,125 |
| Cumberland County | $832,750 |
| Dickenson County | $832,750 |
| Dinwiddie County | $832,750 |
| Essex County | $832,750 |
| Fairfax County | $1,249,125 |
| Fauquier County | $1,249,125 |
| Floyd County | $832,750 |
| Fluvanna County | $832,750 |
| Franklin County | $832,750 |
| Frederick County | $832,750 |
| Giles County | $832,750 |
| Gloucester County | $832,750 |
| Goochland County | $832,750 |
| Grayson County | $832,750 |
| Greene County | $832,750 |
| Greensville County | $832,750 |
| Halifax County | $832,750 |
| Hanover County | $832,750 |
| Henrico County | $832,750 |
| Henry County | $832,750 |
| Highland County | $832,750 |
| Isle Of Wight County | $832,750 |
| James City County | $832,750 |
| King And Queen County | $832,750 |
| King George County | $832,750 |
| King William County | $832,750 |
| Lancaster County | $832,750 |
| Lee County | $832,750 |
| Loudoun County | $1,249,125 |
| Louisa County | $832,750 |
| Lunenburg County | $832,750 |
| Madison County | $1,209,750 |
| Mathews County | $832,750 |
| Mecklenburg County | $832,750 |
| Middlesex County | $832,750 |
| Montgomery County | $832,750 |
| Nelson County | $832,750 |
| New Kent County | $832,750 |
| Northampton County | $832,750 |
| Northumberland County | $832,750 |
| Nottoway County | $832,750 |
| Orange County | $832,750 |
| Page County | $832,750 |
| Patrick County | $832,750 |
| Pittsylvania County | $832,750 |
| Powhatan County | $832,750 |
| Prince Edward County | $832,750 |
| Prince George County | $832,750 |
| Prince William County | $1,249,125 |
| Pulaski County | $832,750 |
| Rappahannock County | $1,249,125 |
| Richmond County | $832,750 |
| Roanoke County | $832,750 |
| Rockbridge County | $832,750 |
| Rockingham County | $832,750 |
| Russell County | $832,750 |
| Scott County | $832,750 |
| Shenandoah County | $832,750 |
| Smyth County | $832,750 |
| Southampton County | $832,750 |
| Spotsylvania County | $1,249,125 |
| Stafford County | $1,249,125 |
| Surry County | $832,750 |
| Sussex County | $832,750 |
| Tazewell County | $832,750 |
| Warren County | $1,249,125 |
| Washington County | $832,750 |
| Westmoreland County | $832,750 |
| Wise County | $832,750 |
| Wythe County | $832,750 |
| York County | $832,750 |
| Alexandria City | $1,249,125 |
| Bristol City | $832,750 |
| Buena Vista City | $832,750 |
| Charlottesville City | $832,750 |
| Chesapeake City | $832,750 |
| Colonial Heights City | $832,750 |
| Covington City | $832,750 |
| Danville City | $832,750 |
| Emporia City | $832,750 |
| Fairfax City | $1,249,125 |
| Falls Church City | $1,249,125 |
| Franklin City | $832,750 |
| Fredericksburg City | $1,249,125 |
| Galax City | $832,750 |
| Hampton City | $832,750 |
| Harrisonburg City | $832,750 |
| Hopewell City | $832,750 |
| Lexington City | $832,750 |
| Lynchburg City | $832,750 |
| Manassas City | $1,249,125 |
| Manassas Park City | $1,249,125 |
| Martinsville City | $832,750 |
| Newport News City | $832,750 |
| Norfolk City | $832,750 |
| Norton City | $832,750 |
| Petersburg City | $832,750 |
| Poquoson City | $832,750 |
| Portsmouth City | $832,750 |
| Radford City | $832,750 |
| Richmond City | $832,750 |
| Roanoke City | $832,750 |
| Salem City | $832,750 |
| Staunton City | $832,750 |
| Suffolk City | $832,750 |
| Virginia Beach City | $832,750 |
| Waynesboro City | $832,750 |
| Williamsburg City | $832,750 |
| Winchester City | $832,750 |
County-equivalent names follow FHFA’s table, including parishes, boroughs, planning regions and independent cities. Confirm the property’s jurisdiction with your lender. FHA limits are separate.
Original FHFA table, all counties (PDF) · Current FHFA releases · HUD’s separate FHA limit lookup. This is a dated 2026 reference, not a live underwriting feed.
Where should I look for Virginia down-payment help?
Virginia Housing is the state housing-agency starting point listed by NCSHA. A directory listing does not mean every program is open or every applicant qualifies.
Ask for two complete options
Request a written comparison with and without assistance. Include the first mortgage’s rate and fees, the assistance balance, any monthly payment, and the amount due if you sell or refinance. Cash saved today and total financing cost are different questions.
- Is this a grant, forgivable loan or repayable second mortgage?
- Are there income, purchase-price, location or first-time-buyer rules?
- Which lenders are approved, and is homebuyer education required?
- What happens when you move, sell, refinance or repay early?
How can I compare Virginia quotes without misleading totals?
Keep property costs and timing assumptions consistent, then compare lender-controlled pricing and the cost over your expected time in the loan.
| Check | Ask for | Why it matters |
|---|---|---|
| Rate, points and credits | The same loan amount, structure and lock period | A rate bought with points is not the same offer as a zero-point quote. |
| Property taxes | The actual jurisdiction and an estimate appropriate to the purchase | Ask the local tax authority whether the seller’s exemptions or assessment will apply to you. |
| Insurance and association costs | A property-specific insurance quote, deductibles, HOA dues and known assessments | Ask about required flood or other coverage; generic monthly placeholders can understate the budget. |
| Title, settlement and government charges | An itemized provider estimate and who pays each charge | Confirm local charges and contract allocations instead of assuming one statewide closing-cost percentage. |
| Prepaids and escrow | The same closing date, insurance premium and tax assumptions | Lower reserves or fewer prepaid days can reduce cash to close without improving the loan price. |
See the CFPB Loan Estimate explainer. Use the SLR comparison worksheet to keep estimates organized.
How do I verify a Virginia loan officer?
Match the person’s NMLS identifier, company and current licensing or registration record in NMLS Consumer Access. Confirm authority for your property state; bank originators and state-licensed originators can have different registration structures. If the record is unclear, check with the listed regulator before sending sensitive documents.
SLR’s educational pages do not confer licensing or represent every lender. Check participating originators and decide separately whom to contact.
Where can I see current mortgage-rate context?
The market dashboard labels national benchmarks by source and observation date. Those figures are not measured Virginia rates or available loan offers. Reprice your own scenario with the lender when your property, loan details or lock timing changes.
Find the right starting point in Virginia
Buying your first home?
Compare a lender’s document review, communication and experience with assistance programs. Check current programs and approved lenders with Virginia Housing before counting on funds.
Use the first-time buyer comparison →Working through credit challenges?
Ask which loan programs fit your complete file and whether the lender has requirements beyond the program minimum. State assistance eligibility and mortgage approval are separate reviews.
Prepare a credit and mortgage plan →Choosing between loan officers?
Compare written terms for the same Virginia property and verify current licensing or registration. A directory listing does not establish the lowest price or represent every provider.
Build a lender comparison →Browse participating Virginia originators →
Considering a refinance? Compare costs and your payoff timeline. Exploring home equity? Check combined payments and repayment terms before borrowing.
Virginia mortgage questions
What is the 2026 conforming loan limit in Virginia?
The 2026 one-unit limit ranges from $832,750 to $1,249,125 across Virginia. Look up the property’s actual county or county-equivalent area and unit count below. This is a loan-amount limit, not a purchase-price cap or an approval.
Where can I find Virginia homebuyer assistance information?
Start with Virginia Housing, listed in NCSHA’s state agency directory. Ask about currently open programs, approved lenders, income and purchase-price limits, education, and whether assistance must be repaid. Agency listing does not establish your eligibility or program funding.
Are the rates on this page actual Virginia offers?
No. The market link provides dated national benchmarks. An actual Virginia quote requires your loan and property details, current lender pricing and a defined lock period. Educational coverage of this state does not guarantee an available SLR originator.