Virginia 2026 Loan Limits: $1,249,125 Northern Virginia Ceiling vs $832,750 Statewide
For a one-unit Virginia home in 2026, the baseline conforming mortgage limit is $832,750. Designated high-cost jurisdictions reach…
MARKET RATE DESK
Payment Snapshot
Enter a home price from $1 to $100 million, a down payment from 0–100%, and an interest rate from 0–30%.
Estimated Total Monthly Payment
Principal & Interest$1,593/moEst. Property Tax & Insurance$300/moLoan Amount$252,000
Full Calculator →Snapshot uses annual property tax of 1% of home price and $800/year for homeowners insurance. HOA fees and mortgage insurance are not included; personalize those costs in the full calculator.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
Virginia Housing Down Payment Grants, Plus Second Mortgages and MCCs in 2026
Virginia Housing assistance can change how much cash you need at closing, but the program name alone does not tell you whether…
Loan Programs & Buyer Guides
Virginia VA Home Loans: Full vs Bonus Entitlement, BAH and Disabled Veteran Tax Relief
Military moves make Virginia a major VA mortgage market, from Norfolk, Oceana, and Langley to Quantico, Belvoir, and the Pentagon.…
Comparing VA, Conventional and FHA Financing Across Virginia Markets
A $600,000 purchase in Richmond and a $950,000 purchase in Arlington call for different financing comparisons, even when the buyers…
Underwriting & Qualification
Northern Virginia Condo and Master-Planned POA Underwriting: Reserves and Dues
A Fairfax townhome with modest association dues can be harder to finance than an Arlington condominium with a larger monthly…
High-Balance Conforming vs Jumbo Mortgages in Arlington, Fairfax and Loudoun
A seven-figure Northern Virginia purchase does not automatically require a jumbo mortgage. The relevant number is the financed…
USDA Zero-Down Rural Home Loans in Shenandoah Valley, Piedmont and Southside Virginia
A home outside Staunton, a Piedmont village property or a Southside residence may qualify for USDA financing without requiring a…
Virginia WDI Termite Letters, Septic Inspections and VA/FHA Appraisal Conditions
A damp crawlspace in Hampton Roads and an aging septic system outside Roanoke can delay financing for different reasons. The first…
Refinance, Home Equity & HELOC Desk
Virginia HELOC, Home Equity Loans and Refinance Recordation Tax Exemptions
A Richmond homeowner funding a renovation may benefit from keeping an existing first mortgage, while a Fairfax household…
VA IRRRL Streamline Refinancing in Virginia: Net Tangible Benefit and Recordation Fees
A Norfolk homeowner refinancing an existing VA mortgage should compare more than the advertised rate. An Interest Rate Reduction…
Rates, APR & Closing Costs Desk
Virginia State and Local Recordation Taxes, Grantor Tax and Regional Closing Fees
Virginia closing costs include several taxes that sound similar but apply to different instruments or parties. A purchase may…
Virginia Independent Cities vs Counties: 100% Fair-Market Property Tax Escrows
A Richmond mailing address does not necessarily place a home in the City of Richmond, and a Fairfax address does not necessarily…
Tidewater and Chesapeake Bay Flood Zones, Elevation Certificates and Escrow Math
Two Chesapeake Bay homes with the same purchase price can have very different monthly carrying costs. A Norfolk bungalow, a…
Short Pump, Glen Allen and Mechanicsville Mortgages: Lower County Tax Rates and Move-Up Math
Moving from a Richmond starter home to Short Pump, Glen Allen or Mechanicsville often means trading a smaller mortgage for more…
Regional Real Estate & Surrounding Communities
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Monthly Mortgage Payment Calculator
Calculate your total monthly PITI payment including principal, interest, property taxes, homeowners insurance, and PMI.
Launch Tool →Home Equity & HELOC Calculator
Estimate your available borrowing power and combined loan-to-value (CLTV) ratio for a home equity loan or HELOC.
Launch Tool →Mortgage Refinance Savings Calculator
Compare your current mortgage against today's rates to estimate monthly payment savings and lifetime interest reduction.
Launch Tool →Closing Cost Estimator
Itemize estimated lender origination fees, title insurance, appraisal charges, and prepaid tax and insurance escrow reserves.
Launch Tool →Mortgage Amortization Schedule Calculator
View your year-by-year principal and interest payoff breakdown and see how extra monthly payments shorten your loan term.
Launch Tool →ARM vs. Fixed-Rate Mortgage Calculator
Compare initial adjustable-rate payments and future rate caps against the stability of a 30-year fixed loan.
Launch Tool →1. Compare Live Rates & APRs
Review current interest rates, APRs, upfront points, and estimated monthly payments from participating lenders in our live rate table.
2. Estimate Your Full Monthly Payment
Use our free PITI, closing cost, and home equity calculators to model property taxes, homeowners insurance, and down payment scenarios.
3. Choose the Right Loan Program
Compare Conventional, FHA, VA, USDA, and state down payment assistance requirements before locking your rate with a lender.
Loan Program Comparison: 2026 Benchmarks
Dogwood & Dormer Mortgage Planning — Choose a mortgage by comparing eligibility, upfront cash and total monthly costs, not the advertised rate alone. Conventional, FHA, VA and USDA serve different borrowers. Confirm county limits, taxes, insurance and lender requirements before comparing personalized Loan Estimates for your household.
Historical 2025 one-unit comparison: conforming $806,500; FHA floor $524,225. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.