State loan-limit landscape
Virginia 2026 county loan-limit landscape
How conforming and FHA one-unit limits vary across Virginia counties and how borrowers can use them responsibly.
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.
Virginia's statewide summary covers 133 county or county-equivalent records. In practical terms, within those records, the 2026 one-unit conforming limit runs from $832,750 to $1,249,125. That range can still help borrowers see why the property county must be identified before a loan amount is assigned a conforming or jumbo category. For the decision at hand, the $832,750 to $1,249,125 range confirms that one conforming ceiling does not apply uniformly across Virginia. The 133 record count keeps the range tied to the statewide source coverage rather than an assumed national rule. The $832,750 to $1,249,125 amounts classify loan size within the published program table; they do not establish a borrower's capacity, a property's value, or the price of financing. Before using the $1,249,125 statewide maximum, county, legal unit count, and expected base loan amount must be known.
Across the same 133 Virginia records, the 2026 one-unit FHA limit spans $541,287 to $1,249,125. For borrower planning, the $541,287 low and $1,249,125 high show that FHA's published boundary also varies within the state.