VA Loan Limits in Virginia (2026)
For 2026, the VA county loan limit for most Virginia counties is $832,750 for a single-family home — but only for veterans with partial entitlement. 5 higher-cost Virginia counties go above that, up to $1,249,125.
With full VA entitlement, there is no loan limit in Virginia — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Virginia
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Fairfax County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Prince William County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Virginia Beach County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Loudoun County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Chesterfield County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Henrico County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Spotsylvania County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Stafford County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Albemarle County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hanover County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Augusta County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Roanoke County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Rockingham County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bedford County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Frederick County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montgomery County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Campbell County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Pittsylvania County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Fauquier County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Franklin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Tazewell County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wise County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Culpeper County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Accomack County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Arlington County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Alexandria County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
Virginia's median home price is roughly $400,000. With $0 down and no PMI, an example VA payment near that price is about $2,906/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Virginia
The VA home-loan benefit lets eligible Virginia veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Virginia for 2026?
- With full entitlement, none. For partial entitlement, most Virginia counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Virginia require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.