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

2023 FHA Construction Loan Limits in VIRGINIA tell homebuyers how much borrowing power they have to build a home. 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

2023 VA and FHA Construction Loan Limits

Borrow for Single Family Home Loans in VIRGINIA Counties

The FHA has a maximum construction 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.

Construction 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 2023, the FHA floor was set at $472,030 for single-family home loans. This lending limit covers most U.S. counties."

133 match(es) found

ACCOMACK County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ALBEMARLE County
CHARLOTTESVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
ALEXANDRIA CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
ALLEGHANY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
AMELIA County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
AMHERST County
LYNCHBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
APPOMATTOX County
LYNCHBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ARLINGTON County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
AUGUSTA County
STAUNTON, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BATH County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BEDFORD County
LYNCHBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BLAND County
BLUEFIELD, WV-VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BOTETOURT County
ROANOKE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BRISTOL CITY County
KINGSPORT-BRISTOL, TN-VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BRUNSWICK County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BUCHANAN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BUCKINGHAM County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BUENA VISTA CIT County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CAMPBELL County
LYNCHBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CAROLINE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CARROLL County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CHARLES CITY County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
CHARLOTTE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CHARLOTTESVILLE County
CHARLOTTESVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
CHESAPEAKE CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
CHESTERFIELD County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
CLARKE County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
COLONIAL HEIGHT County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
COVINGTON CITY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CRAIG County
ROANOKE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CULPEPER County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
CUMBERLAND County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DANVILLE CITY County
DANVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DICKENSON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DINWIDDIE County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
EMPORIA CITY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ESSEX County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
FAIRFAX County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
FAIRFAX CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
FALLS CHURCH CI County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
FAUQUIER County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
FLOYD County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
FLUVANNA County
CHARLOTTESVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
FRANKLIN County
ROANOKE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
FRANKLIN CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
FREDERICK County
WINCHESTER, VA-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
FREDERICKSBURG County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
GALAX CITY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GILES County
BLACKSBURG-CHRISTIANSBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GLOUCESTER County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
GOOCHLAND County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
GRAYSON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GREENE County
CHARLOTTESVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
GREENSVILLE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HALIFAX County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HAMPTON CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
HANOVER County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
HARRISONBURG CI County
HARRISONBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HENRICO County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
HENRY County
MARTINSVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HIGHLAND County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HOPEWELL CITY County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
ISLE OF WIGHT County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
JAMES CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
KING AND QUEEN County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
KING GEORGE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
KING WILLIAM County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
LANCASTER County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LEE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LEXINGTON CITY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LOUDOUN County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
LOUISA County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LUNENBURG County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LYNCHBURG CITY County
LYNCHBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MADISON County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
MANASSAS CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
MANASSAS PARK C County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
MARTINSVILLE CI County
MARTINSVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MATHEWS County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
MECKLENBURG County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MIDDLESEX County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MONTGOMERY County
BLACKSBURG-CHRISTIANSBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
NELSON County
CHARLOTTESVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
NEW KENT County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
NEWPORT NEWS CI County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
NORFOLK CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
NORTHAMPTON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
NORTHUMBERLAND County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
NORTON CITY County
BIG STONE GAP, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
NOTTOWAY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ORANGE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PAGE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PATRICK County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PETERSBURG CITY County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
PITTSYLVANIA County
DANVILLE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
POQUOSON CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
PORTSMOUTH CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
POWHATAN County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
PRINCE EDWARD County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PRINCE GEORGE County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
PRINCE WILLIAM County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
PULASKI County
BLACKSBURG-CHRISTIANSBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
RADFORD CITY County
BLACKSBURG-CHRISTIANSBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
RAPPAHANNOCK County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
RICHMOND County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
RICHMOND CITY County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
ROANOKE County
ROANOKE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ROANOKE CITY County
ROANOKE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ROCKBRIDGE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ROCKINGHAM County
HARRISONBURG, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
RUSSELL County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SALEM CITY County
ROANOKE, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SCOTT County
KINGSPORT-BRISTOL, TN-VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SHENANDOAH County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SMYTH County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SOUTHAMPTON County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
SPOTSYLVANIA County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
STAFFORD County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
STAUNTON CITY County
STAUNTON, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SUFFOLK CITY County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
SURRY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SUSSEX County
RICHMOND, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
TAZEWELL County
BLUEFIELD, WV-VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
VIRGINIA BEACH County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
WARREN County
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
WASHINGTON County
KINGSPORT-BRISTOL, TN-VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WAYNESBORO CITY County
STAUNTON, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WESTMORELAND County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WILLIAMSBURG CI County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
WINCHESTER CITY County
WINCHESTER, VA-WV
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WISE County
BIG STONE GAP, VA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WYTHE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
YORK County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150

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