One-Time Close Loans | FHA, VA, and USDA
Learn all about the VA, USDA, and FHA versions of the One-Time Close Loan.

2021 FHA Loan Limits in VIRGINIA tell homebuyers how much borrowing power they have to build a home in their state, city, and county. VA Limits are set by the lenders.

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VA Loan - One-Time Close Construction Loan
FHA Loan - One-Time Close Construction Loan
USDA Loan - One-Time Close Construction Loan

2021 FHA Loan Limits and VA Lender Limits

Limits for Single Family Home Loans in VIRGINIA Counties

The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.

Loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.

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"For 2021, the FHA floor was set at $356,362 for single-family home loans. This minimum lending amount covers 80% of all U.S. counties."

133 match(es) found

ACCOMACK County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ALBEMARLE County
CHARLOTTESVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
ALEXANDRIA CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
ALLEGHANY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
AMELIA County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
AMHERST County
LYNCHBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
APPOMATTOX County
LYNCHBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ARLINGTON County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
AUGUSTA County
STAUNTON, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BATH County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BEDFORD County
LYNCHBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BLAND County
BLUEFIELD, WV-VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BOTETOURT County
ROANOKE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BRISTOL CITY County
KINGSPORT-BRISTOL, TN-VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BRUNSWICK County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BUCHANAN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BUCKINGHAM County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BUENA VISTA CIT County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CAMPBELL County
LYNCHBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CAROLINE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CARROLL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CHARLES CITY County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
CHARLOTTE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CHARLOTTESVILLE County
CHARLOTTESVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
CHESAPEAKE CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
CHESTERFIELD County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
CLARKE County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
COLONIAL HEIGHT County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
COVINGTON CITY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CRAIG County
ROANOKE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CULPEPER County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
CUMBERLAND County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DANVILLE CITY County
DANVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DICKENSON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DINWIDDIE County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
EMPORIA CITY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ESSEX County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FAIRFAX County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
FAIRFAX CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
FALLS CHURCH CI County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
FAUQUIER County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
FLOYD County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FLUVANNA County
CHARLOTTESVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
FRANKLIN County
ROANOKE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FRANKLIN CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
FREDERICK County
WINCHESTER, VA-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FREDERICKSBURG County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
GALAX CITY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GILES County
BLACKSBURG-CHRISTIANSBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GLOUCESTER County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
GOOCHLAND County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
GRAYSON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GREENE County
CHARLOTTESVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
GREENSVILLE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HALIFAX County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HAMPTON CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
HANOVER County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
HARRISONBURG CI County
HARRISONBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HENRICO County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
HENRY County
MARTINSVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HIGHLAND County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HOPEWELL CITY County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
ISLE OF WIGHT County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
JAMES CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
KING AND QUEEN County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
KING GEORGE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $358,800
KING WILLIAM County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
LANCASTER County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $442,750
LEE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LEXINGTON CITY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LOUDOUN County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
LOUISA County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LUNENBURG County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LYNCHBURG CITY County
LYNCHBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MADISON County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
MANASSAS CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
MANASSAS PARK C County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
MARTINSVILLE CI County
MARTINSVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MATHEWS County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
MECKLENBURG County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MIDDLESEX County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MONTGOMERY County
BLACKSBURG-CHRISTIANSBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NELSON County
CHARLOTTESVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
NEW KENT County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
NEWPORT NEWS CI County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
NORFOLK CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
NORTHAMPTON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NORTHUMBERLAND County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NORTON CITY County
BIG STONE GAP, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NOTTOWAY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ORANGE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PAGE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PATRICK County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PETERSBURG CITY County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
PITTSYLVANIA County
DANVILLE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
POQUOSON CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
PORTSMOUTH CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
POWHATAN County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
PRINCE EDWARD County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PRINCE GEORGE County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
PRINCE WILLIAM County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
PULASKI County
BLACKSBURG-CHRISTIANSBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RADFORD CITY County
BLACKSBURG-CHRISTIANSBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RAPPAHANNOCK County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
RICHMOND County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RICHMOND CITY County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
ROANOKE County
ROANOKE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROANOKE CITY County
ROANOKE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROCKBRIDGE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROCKINGHAM County
HARRISONBURG, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RUSSELL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SALEM CITY County
ROANOKE, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SCOTT County
KINGSPORT-BRISTOL, TN-VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SHENANDOAH County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SMYTH County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SOUTHAMPTON County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
SPOTSYLVANIA County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
STAFFORD County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
STAUNTON CITY County
STAUNTON, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SUFFOLK CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
SURRY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SUSSEX County
RICHMOND, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $535,900
TAZEWELL County
BLUEFIELD, WV-VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
VIRGINIA BEACH County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
WARREN County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
WASHINGTON County
KINGSPORT-BRISTOL, TN-VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WAYNESBORO CITY County
STAUNTON, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WESTMORELAND County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WILLIAMSBURG CI County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
WINCHESTER CITY County
WINCHESTER, VA-WV
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WISE County
BIG STONE GAP, VA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WYTHE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
YORK County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850

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