One-Time Close Loans | FHA and VA Construction Loans
VA and FHA One-Time Close Construction Loans

2026 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

2026 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.

Learn About the One-Time Close Constuction Loan
"For 2026, the FHA floor was set at $541,287 for single-family home loans. This lending limit covers most U.S. counties."

133 match(es) found

ACCOMACK County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ALBEMARLE County
CHARLOTTESVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$598,000
ALEXANDRIA CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
ALLEGHANY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
AMELIA County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
AMHERST County
LYNCHBURG
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
APPOMATTOX County
LYNCHBURG
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ARLINGTON County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
AUGUSTA County
STAUNTON-STUARTS DRAFT
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BATH County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BEDFORD County
LYNCHBURG
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BLAND County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BOTETOURT County
ROANOKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BRISTOL CITY County
KINGSPORT-BRISTOL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BRUNSWICK County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BUCHANAN County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BUCKINGHAM County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
BUENA VISTA CIT County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CAMPBELL County
LYNCHBURG
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CAROLINE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CARROLL County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CHARLES CITY County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
CHARLOTTE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CHARLOTTESVILLE County
CHARLOTTESVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$598,000
CHESAPEAKE CITY County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
CHESTERFIELD County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
CLARKE County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
COLONIAL HEIGHT County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
COVINGTON CITY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CRAIG County
ROANOKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
CULPEPER County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
CUMBERLAND County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DANVILLE CITY County
DANVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DICKENSON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
DINWIDDIE County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
EMPORIA CITY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ESSEX County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FAIRFAX County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
FAIRFAX CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
FALLS CHURCH CI County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
FAUQUIER County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
FLOYD County
BLACKSBURG-CHRISTIANSBURG-RADFORD
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FLUVANNA County
CHARLOTTESVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$598,000
FRANKLIN County
ROANOKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FRANKLIN CITY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FREDERICK County
WINCHESTER
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
FREDERICKSBURG County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
GALAX CITY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
GILES County
BLACKSBURG-CHRISTIANSBURG-RADFORD
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
GLOUCESTER County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
GOOCHLAND County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
GRAYSON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
GREENE County
CHARLOTTESVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$598,000
GREENSVILLE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HALIFAX County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HAMPTON CITY County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
HANOVER County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
HARRISONBURG CI County
HARRISONBURG
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HENRICO County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
HENRY County
MARTINSVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HIGHLAND County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
HOPEWELL CITY County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
ISLE OF WIGHT County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
JAMES CITY County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
KING AND QUEEN County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
KING GEORGE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
KING WILLIAM County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
LANCASTER County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LEE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LEXINGTON CITY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LOUDOUN County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
LOUISA County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LUNENBURG County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
LYNCHBURG CITY County
LYNCHBURG
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MADISON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MANASSAS CITY County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
MANASSAS PARK County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
MARTINSVILLE CI County
MARTINSVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MATHEWS County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
MECKLENBURG County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MIDDLESEX County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
MONTGOMERY County
BLACKSBURG-CHRISTIANSBURG-RADFORD
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
NELSON County
CHARLOTTESVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$598,000
NEW KENT County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
NEWPORT NEWS CI County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
NORFOLK CITY County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
NORTHAMPTON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
NORTHUMBERLAND County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
NORTON CITY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
NOTTOWAY County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ORANGE County
LAKE OF THE WOODS
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
PAGE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
PATRICK County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
PETERSBURG CITY County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
PITTSYLVANIA County
DANVILLE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
POQUOSON CITY County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
PORTSMOUTH CITY County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
POWHATAN County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
PRINCE EDWARD County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
PRINCE GEORGE County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
PRINCE WILLIAM County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
PULASKI County
BLACKSBURG-CHRISTIANSBURG-RADFORD
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
RADFORD CITY County
BLACKSBURG-CHRISTIANSBURG-RADFORD
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
RAPPAHANNOCK County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
RICHMOND County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
RICHMOND CITY County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
ROANOKE County
ROANOKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ROANOKE CITY County
ROANOKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ROCKBRIDGE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
ROCKINGHAM County
HARRISONBURG
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
RUSSELL County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SALEM CITY County
ROANOKE
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SCOTT County
KINGSPORT-BRISTOL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SHENANDOAH County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SMYTH County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SOUTHAMPTON County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SPOTSYLVANIA County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
STAFFORD County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
STAUNTON CITY County
STAUNTON-STUARTS DRAFT
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
SUFFOLK CITY County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
SURRY County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
SUSSEX County
RICHMOND
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$707,250
TAZEWELL County
BLUEFIELD
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
VIRGINIA BEACH County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
WARREN County
WASHINGTON-ARLINGTON-ALEXANDRIA
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$1,249,125
WASHINGTON County
KINGSPORT-BRISTOL
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WAYNESBORO CITY County
STAUNTON-STUARTS DRAFT
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WESTMORELAND County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WILLIAMSBURG CI County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850
WINCHESTER CITY County
WINCHESTER
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WISE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
WYTHE County
NON-METRO
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$541,287
YORK County
VIRGINIA BEACH-CHESAPEAKE-NORFOLK
VA Construction Loan LimitFHA Construction Loan Limit
$1,500,000$757,850

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