Virginia Conventional Loan Limits by County

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be higher than the conforming loan limit in high cost Counties.  High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

Have Questions About Loan Limits? Experts are Standing By!

Virginia Conventional Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
ACCOMACK$453,100$580,150$701,250$871,450
ALBEMARLE$453,100$580,150$701,250$871,450
ALLEGHANY$453,100$580,150$701,250$871,450
AMELIA$535,900$686,050$829,250$1,030,600
AMHERST$453,100$580,150$701,250$871,450
APPOMATTOX$453,100$580,150$701,250$871,450
ARLINGTON$679,650$870,225$1,051,875$1,307,175
AUGUSTA$453,100$580,150$701,250$871,450
BATH$453,100$580,150$701,250$871,450
BEDFORD$453,100$580,150$701,250$871,450
BLAND$453,100$580,150$701,250$871,450
BOTETOURT$453,100$580,150$701,250$871,450
BRUNSWICK$453,100$580,150$701,250$871,450
BUCHANAN$453,100$580,150$701,250$871,450
BUCKINGHAM$453,100$580,150$701,250$871,450
CAMPBELL$453,100$580,150$701,250$871,450
CAROLINE$535,900$686,050$829,250$1,030,600
CARROLL$453,100$580,150$701,250$871,450
CHARLES CITY$535,900$686,050$829,250$1,030,600
CHARLOTTE$453,100$580,150$701,250$871,450
CHESTERFIELD$535,900$686,050$829,250$1,030,600
CLARKE$679,650$870,225$1,051,875$1,307,175
CRAIG$453,100$580,150$701,250$871,450
CULPEPER$679,650$870,225$1,051,875$1,307,175
CUMBERLAND$535,900$686,050$829,250$1,030,600
DICKENSON$453,100$580,150$701,250$871,450
DINWIDDIE$535,900$686,050$829,250$1,030,600
ESSEX$453,100$580,150$701,250$871,450
FAIRFAX$679,650$870,225$1,051,875$1,307,175
FAUQUIER$679,650$870,225$1,051,875$1,307,175
FLOYD$453,100$580,150$701,250$871,450
FLUVANNA$453,100$580,150$701,250$871,450
FRANKLIN$453,100$580,150$701,250$871,450
FREDERICK$453,100$580,150$701,250$871,450
GILES$453,100$580,150$701,250$871,450
GLOUCESTER$458,850$587,400$710,050$882,400
GOOCHLAND$535,900$686,050$829,250$1,030,600
GRAYSON$453,100$580,150$701,250$871,450
GREENE$453,100$580,150$701,250$871,450
GREENSVILLE$453,100$580,150$701,250$871,450
HALIFAX$453,100$580,150$701,250$871,450
HANOVER$535,900$686,050$829,250$1,030,600
HENRICO$535,900$686,050$829,250$1,030,600
HENRY$453,100$580,150$701,250$871,450
HIGHLAND$453,100$580,150$701,250$871,450
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$453,100$580,150$701,250$871,450
KING WILLIAM$535,900$686,050$829,250$1,030,600
LANCASTER$453,100$580,150$701,250$871,450
LEE$453,100$580,150$701,250$871,450
LOUDOUN$679,650$870,225$1,051,875$1,307,175
LOUISA$535,900$686,050$829,250$1,030,600
LUNENBURG$453,100$580,150$701,250$871,450
MADISON$453,100$580,150$701,250$871,450
MATHEWS$458,850$587,400$710,050$882,400
MECKLENBURG$453,100$580,150$701,250$871,450
MIDDLESEX$453,100$580,150$701,250$871,450
MONTGOMERY$453,100$580,150$701,250$871,450
NELSON$453,100$580,150$701,250$871,450
NEW KENT$535,900$686,050$829,250$1,030,600
NORTHAMPTON$453,100$580,150$701,250$871,450
NORTHUMBERLAND$453,100$580,150$701,250$871,450
NOTTOWAY$453,100$580,150$701,250$871,450
ORANGE$453,100$580,150$701,250$871,450
PAGE$453,100$580,150$701,250$871,450
PATRICK$453,100$580,150$701,250$871,450
PITTSYLVANIA$453,100$580,150$701,250$871,450
POWHATAN$535,900$686,050$829,250$1,030,600
PRINCE EDWARD$453,100$580,150$701,250$871,450
PRINCE GEORGE$535,900$686,050$829,250$1,030,600
PRINCE WILLIAM$679,650$870,225$1,051,875$1,307,175
PULASKI$453,100$580,150$701,250$871,450
RAPPAHANNOCK$679,650$870,225$1,051,875$1,307,175
RICHMOND$453,100$580,150$701,250$871,450
ROANOKE$453,100$580,150$701,250$871,450
ROCKBRIDGE$453,100$580,150$701,250$871,450
ROCKINGHAM$453,100$580,150$701,250$871,450
RUSSELL$453,100$580,150$701,250$871,450
SCOTT$453,100$580,150$701,250$871,450
SHENANDOAH$453,100$580,150$701,250$871,450
SMYTH$453,100$580,150$701,250$871,450
SOUTHAMPTON$453,100$580,150$701,250$871,450
SPOTSYLVANIA$679,650$870,225$1,051,875$1,307,175
STAFFORD$679,650$870,225$1,051,875$1,307,175
SURRY$458,850$587,400$710,050$882,400
SUSSEX$535,900$686,050$829,250$1,030,600
TAZEWELL$453,100$580,150$701,250$871,450
WARREN$679,650$870,225$1,051,875$1,307,175
WASHINGTON$453,100$580,150$701,250$871,450
WESTMORELAND$453,100$580,150$701,250$871,450
WISE$453,100$580,150$701,250$871,450
WISE$453,100$580,150$701,250$871,450
WYTHE$453,100$580,150$701,250$871,450
YORK$458,850$587,400$710,050$882,400
ALEXANDRIA CITY$679,650$870,225$1,051,875$1,307,175
BEDFORD CITY$453,100$580,150$701,250$871,450
BRISTOL CITY$453,100$580,150$701,250$871,450
BUENA VISTA CIT$453,100$580,150$701,250$871,450
CHARLOTTESVILLE$453,100$580,150$701,250$871,450
CHESAPEAKE CITY$458,850$587,400$710,050$882,400
COLONIAL HEIGHT$535,900$686,050$829,250$1,030,600
COVINGTON CITY$453,100$580,150$701,250$871,450
DANVILLE CITY$453,100$580,150$701,250$871,450
EMPORIA CITY$453,100$580,150$701,250$871,450
FAIRFAX CITY$679,650$870,225$1,051,875$1,307,175
FALLS CHURCH CI$679,650$870,225$1,051,875$1,307,175
FRANKLIN CITY$453,100$580,150$701,250$871,450
FREDERICKSBURG$679,650$870,225$1,051,875$1,307,175
GALAX CITY$453,100$580,150$701,250$871,450
HAMPTON CITY$458,850$587,400$710,050$882,400
HARRISONBURG CI$453,100$580,150$701,250$871,450
HOPEWELL CITY$535,900$686,050$829,250$1,030,600
LEXINGTON CITY$453,100$580,150$701,250$871,450
LYNCHBURG CITY$453,100$580,150$701,250$871,450
MANASSAS CITY$679,650$870,225$1,051,875$1,307,175
MANASSAS PARK C$679,650$870,225$1,051,875$1,307,175
MARTINSVILLE CI$453,100$580,150$701,250$871,450
NEWPORT NEWS CI$458,850$587,400$710,050$882,400
NORFOLK CITY$458,850$587,400$710,050$882,400
NORTON CITY$453,100$580,150$701,250$871,450
PETERSBURG CITY$535,900$686,050$829,250$1,030,600
NORTON CITY$453,100$580,150$701,250$871,450
POQUOSON CITY$458,850$587,400$710,050$882,400
RADFORD CITY$453,100$580,150$701,250$871,450
RICHMOND CITY$535,900$686,050$829,250$1,030,600
ROANOKE CITY$453,100$580,150$701,250$871,450
SALEM CITY$453,100$580,150$701,250$871,450
STAUNTON CITY$453,100$580,150$701,250$871,450
SUFFOLK CITY$458,850$587,400$710,050$882,400
VIRGINIA BEACH$458,850$587,400$710,050$882,400
WAYNESBORO CITY$453,100$580,150$701,250$871,450
WILLIAMSBURG CI$458,850$587,400$710,050$882,400
WINCHESTER CITY$453,100$580,150$701,250$871,450
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