2026 loan limits
Richmond, VA loan limits: 2026 conforming and FHA context
How 2026 conforming and FHA loan-limit figures organize conventional, jumbo, and FHA questions without determining eligibility.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
Start with the dated local finding: Richmond, VA is connected to Richmond City for this 2026 source comparison. The published one-unit conforming limit is $832,750, while the published one-unit FHA limit is $707,250. Those figures organize different program categories; $832,750 is not a conventional loan offer, and $707,250 is not an FHA eligibility finding. For Richmond, VA, starting with Richmond City keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Richmond, VA still need to confirm the selected property's location and legal unit count, because the relevant Richmond City row follows the property instead of the city label or mailing address alone. Around Richmond, VA, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Richmond City as Richmond, VA's confirmed county row before comparing the $832,750 and $707,250 program boundaries.
For borrowers in Richmond, VA, richmond City's conforming limit rises from $832,750 for one unit to $1,601,750 for four units, while the FHA figures move from $707,250 to $1,360,100.