Virginia FHA Loan Requirements 2025
FHA loan limits by county, credit score requirements, down payment rules, and mortgage insurance details for Virginia home buyers in 2025.
FHA Loans in Virginia
FHA loans are widely used across Virginia’s diverse markets. In Hampton Roads, FHA is the go-to product for many civilian and veteran buyers. In Richmond and the Roanoke Valley, FHA’s 3.5% down makes entry-level homeownership achievable. In Northern Virginia, FHA’s high-cost limits make it competitive even for expensive DC suburb purchases.
Virginia FHA Loan Requirements 2025
Minimum credit score: 580 for 3.5% down; 500–579 for 10% down. Most Virginia lenders set overlay minimums of 620–640. Front-end DTI: up to 31%. Back-end DTI: up to 43% (50–57% with compensating factors).
Virginia FHA Loan Limits by County (2025)
| County/Jurisdiction | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Fairfax / Arlington / Alexandria / Loudoun / Prince William / Stafford / Spotsylvania / Fredericksburg | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Virginia Beach / Norfolk / Chesapeake / Hampton / Newport News | $546,250 | $699,300 | $845,300 | $1,050,500 |
| Richmond / Chesterfield / Henrico | $546,250 | $699,300 | $845,300 | $1,050,500 |
| All Other Counties/Cities | $472,030 | $604,400 | $730,525 | $907,900 |
FHA Mortgage Insurance in Virginia
FHA loans carry an Upfront MIP of 1.75% (rolled into the loan) and an Annual MIP of 0.55% for 30-year loans with less than 10% down. Annual MIP remains for the life of the loan if the down payment was under 10%.
