Pick your county or city to see the 2026 conforming loan limit, how your loan compares and what it means for FHA and VA.
2026 conforming limit
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Limits are set each year by the Federal Housing Finance Agency for conforming loans and by HUD for FHA. They can change, so confirm your county and loan before you rely on them.
Most of Virginia sits at the national baseline. Northern Virginia and nearby localities are high-cost areas with a higher cap.
| Units | Baseline | High-cost cap |
|---|---|---|
| 1 unit | $832,750 | $1,249,125 |
| 2 units | $1,066,250 | $1,599,375 |
| 3 units | $1,288,800 | $1,933,200 |
| 4 units | $1,601,750 | $2,402,625 |
Virginia localities at the 1-unit high-cost cap of $1,249,125:
It becomes a jumbo loan. Jumbo loans are not bought by Fannie Mae or Freddie Mac, so rates, down payment and reserve rules differ by lender.
With full entitlement there is no VA loan limit, though the lender still has to approve your income and credit. With partial entitlement, such as an active VA loan, the county limit applies and the amount above it needs a down payment of 25% of the excess.
FHFA sets the baseline each year and raises it in high-cost areas up to a ceiling of 150% of the baseline. FHA limits follow a similar structure under HUD.
The county or city where the property is located.
No. The limit applies to the loan amount, which is the price minus your down payment.
Duane Buziak, NMLS #1110647. Licensed in VA, TN and GA. Brokered through Coast2Coast Mortgage, NMLS #376205. For illustration only. Not a loan offer, commitment or rate quote. Equal Housing Opportunity.