Virginia Conventional Loan Limits by County

Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County1 UnitDuplexTriplexFourplex
ACCOMACK$424,100$543,000$656,350$815,650
ALBEMARLE$437,000$559,450$676,200$840,400
ALLEGHANY$424,100$543,000$656,350$815,650
AMELIA$535,900$686,050$829,250$1,030,600
AMHERST$424,100$543,000$656,350$815,650
APPOMATTOX$424,100$543,000$656,350$815,650
ARLINGTON$636,150$814,500$984,525$1,223,475
AUGUSTA$424,100$543,000$656,350$815,650
BATH$424,100$543,000$656,350$815,650
BEDFORD$424,100$543,000$656,350$815,650
BLAND$424,100$543,000$656,350$815,650
BOTETOURT$424,100$543,000$656,350$815,650
BRUNSWICK$424,100$543,000$656,350$815,650
BUCHANAN$424,100$543,000$656,350$815,650
BUCKINGHAM$437,000$559,450$676,200$840,400
CAMPBELL$424,100$543,000$656,350$815,650
CAROLINE$535,900$686,050$829,250$1,030,600
CARROLL$424,100$543,000$656,350$815,650
CHARLES CITY$535,900$686,050$829,250$1,030,600
CHARLOTTE$424,100$543,000$656,350$815,650
CHESTERFIELD$535,900$686,050$829,250$1,030,600
CLARKE$636,150$814,500$984,525$1,223,475
CRAIG$424,100$543,000$656,350$815,650
CULPEPER$636,150$814,500$984,525$1,223,475
CUMBERLAND$535,900$686,050$829,250$1,030,600
DICKENSON$424,100$543,000$656,350$815,650
DINWIDDIE$535,900$686,050$829,250$1,030,600
ESSEX$424,100$543,000$656,350$815,650
FAIRFAX$636,150$814,500$984,525$1,223,475
FAUQUIER$636,150$814,500$984,525$1,223,475
FLOYD$424,100$543,000$656,350$815,650
FLUVANNA$437,000$559,450$676,200$840,400
FRANKLIN$424,100$543,000$656,350$815,650
FREDERICK$424,100$543,000$656,350$815,650
GILES$424,100$543,000$656,350$815,650
GLOUCESTER$458,850$587,400$710,050$882,400
GOOCHLAND$535,900$686,050$829,250$1,030,600
GRAYSON$424,100$543,000$656,350$815,650
GREENE$437,000$559,450$676,200$840,400
GREENSVILLE$424,100$543,000$656,350$815,650
HALIFAX$424,100$543,000$656,350$815,650
HANOVER$535,900$686,050$829,250$1,030,600
HENRICO$535,900$686,050$829,250$1,030,600
HENRY$424,100$543,000$656,350$815,650
HIGHLAND$424,100$543,000$656,350$815,650
ISLE OF WIGHT$458,850$587,400$710,050$882,400
JAMES CITY$458,850$587,400$710,050$882,400
KING AND QUEEN$535,900$686,050$829,250$1,030,600
KING GEORGE$424,100$543,000$656,350$815,650
KING WILLIAM$535,900$686,050$829,250$1,030,600
LANCASTER$442,750$566,800$685,100$851,450
LEE$424,100$543,000$656,350$815,650
LOUDOUN$636,150$814,500$984,525$1,223,475
LOUISA$535,900$686,050$829,250$1,030,600
LUNENBURG$424,100$543,000$656,350$815,650
MADISON$424,100$543,000$656,350$815,650
MATHEWS$458,850$587,400$710,050$882,400
MECKLENBURG$424,100$543,000$656,350$815,650
MIDDLESEX$424,100$543,000$656,350$815,650
MONTGOMERY$424,100$543,000$656,350$815,650
NELSON$437,000$559,450$676,200$840,400
NEW KENT$535,900$686,050$829,250$1,030,600
NORTHAMPTON$424,100$543,000$656,350$815,650
NORTHUMBERLAND$424,100$543,000$656,350$815,650
NOTTOWAY$424,100$543,000$656,350$815,650
ORANGE$424,100$543,000$656,350$815,650
PAGE$424,100$543,000$656,350$815,650
PATRICK$424,100$543,000$656,350$815,650
PITTSYLVANIA$424,100$543,000$656,350$815,650
POWHATAN$535,900$686,050$829,250$1,030,600
PRINCE EDWARD$424,100$543,000$656,350$815,650
PRINCE GEORGE$535,900$686,050$829,250$1,030,600
PRINCE WILLIAM$636,150$814,500$984,525$1,223,475
PULASKI$424,100$543,000$656,350$815,650
RAPPAHANNOCK$636,150$814,500$984,525$1,223,475
RICHMOND$424,100$543,000$656,350$815,650
ROANOKE$424,100$543,000$656,350$815,650
ROCKBRIDGE$424,100$543,000$656,350$815,650
ROCKINGHAM$424,100$543,000$656,350$815,650
RUSSELL$424,100$543,000$656,350$815,650
SCOTT$424,100$543,000$656,350$815,650
SHENANDOAH$424,100$543,000$656,350$815,650
SMYTH$424,100$543,000$656,350$815,650
SOUTHAMPTON$424,100$543,000$656,350$815,650
SPOTSYLVANIA$636,150$814,500$984,525$1,223,475
STAFFORD$636,150$814,500$984,525$1,223,475
SURRY$458,850$587,400$710,050$882,400
SUSSEX$535,900$686,050$829,250$1,030,600
TAZEWELL$424,100$543,000$656,350$815,650
WARREN$636,150$814,500$984,525$1,223,475
WASHINGTON$424,100$543,000$656,350$815,650
WESTMORELAND$424,100$543,000$656,350$815,650
WISE$424,100$543,000$656,350$815,650
WYTHE$424,100$543,000$656,350$815,650
YORK$458,850$587,400$710,050$882,400
ALEXANDRIA CITY$636,150$814,500$984,525$1,223,475
BEDFORD CITY$424,100$543,000$656,350$815,650
BRISTOL CITY$424,100$543,000$656,350$815,650
BUENA VISTA CIT$424,100$543,000$656,350$815,650
CHARLOTTESVILLE$437,000$559,450$676,200$840,400
CHESAPEAKE CITY$458,850$587,400$710,050$882,400
COLONIAL HEIGHT$535,900$686,050$829,250$1,030,600
COVINGTON CITY$424,100$543,000$656,350$815,650
DANVILLE CITY$424,100$543,000$656,350$815,650
EMPORIA CITY$424,100$543,000$656,350$815,650
FAIRFAX CITY$636,150$814,500$984,525$1,223,475
FALLS CHURCH CI$636,150$814,500$984,525$1,223,475
FRANKLIN CITY$424,100$543,000$656,350$815,650
FREDERICKSBURG$636,150$814,500$984,525$1,223,475
GALAX CITY$424,100$543,000$656,350$815,650
HAMPTON CITY$458,850$587,400$710,050$882,400
HARRISONBURG CI$424,100$543,000$656,350$815,650
HOPEWELL CITY$535,900$686,050$829,250$1,030,600
LEXINGTON CITY$424,100$543,000$656,350$815,650
LYNCHBURG CITY$424,100$543,000$656,350$815,650
MANASSAS CITY$636,150$814,500$984,525$1,223,475
MANASSAS PARK C$636,150$814,500$984,525$1,223,475
MARTINSVILLE CI$424,100$543,000$656,350$815,650
NEWPORT NEWS CI$458,850$587,400$710,050$882,400
NORFOLK CITY$458,850$587,400$710,050$882,400
NORTON CITY$424,100$543,000$656,350$815,650
PETERSBURG CITY$535,900$686,050$829,250$1,030,600
POQUOSON CITY$458,850$587,400$710,050$882,400
PORTSMOUTH CITY$458,850$587,400$710,050$882,400
RADFORD CITY$424,100$543,000$656,350$815,650
RICHMOND CITY$535,900$686,050$829,250$1,030,600
ROANOKE CITY$424,100$543,000$656,350$815,650
SALEM CITY$424,100$543,000$656,350$815,650
STAUNTON CITY$424,100$543,000$656,350$815,650
SUFFOLK CITY$458,850$587,400$710,050$882,400
VIRGINIA BEACH$458,850$587,400$710,050$882,400
WAYNESBORO CITY$424,100$543,000$656,350$815,650
WILLIAMSBURG CI$458,850$587,400$710,050$882,400
WINCHESTER CITY$424,100$543,000$656,350$815,650
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