VA Loan Limits in Fairfax County, Virginia (2026)
In Fairfax County — anchored by Fairfax County — the 2026 VA county loan limit is $1,249,125 for a single-family home. As a high-cost county, that runs above the $832,750 national baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
Buying in Fairfax County with a VA loan
A VA buyer near Fairfax County can put $0 down on a $690,000 home. Add the one-time funding fee (~$14,835, financed), skip mortgage insurance entirely, and the monthly cost runs about $4,928 at 6.25%.
$0-down VA payment scenarios in Fairfax County
Here is how a $0-down VA payment scales across Fairfax County price points (funding fee financed, no PMI, sample 6.25% rate):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $497,000 | $0 | $3,582 |
| Local median — $690,000 | $0 | $4,928 |
| Higher-end — $932,000 | $0 | $6,615 |
Figures fold in the funding fee and Virginia taxes and insurance, with zero mortgage insurance — a Fairfax County VA borrower never pays PMI. Rates move daily near Fairfax County — get alerts.
VA multi-unit limits in Fairfax County
VA also finances 2-4 unit homes in Fairfax County with $0 down if you live in one unit — $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex (partial-entitlement caps). Rent from the other units can help you qualify.
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Frequently Asked Questions
- What is the VA loan limit in Fairfax County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Fairfax County is $1,249,125 (one unit), $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Fairfax County?
- Eligible veterans can buy with no down payment at all. On a median $690,000 Fairfax County home that is $0 down, with a one-time funding fee of about $14,835 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Fairfax County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Fairfax County a high-cost VA county?
- Yes — Fairfax County's partial-entitlement limit of $1,249,125 is above the $832,750 national baseline.