In 2026, for Bon-Air county of Chesterfield, VA, the FHA loan limits are detailed as follows: a single-family home is capped at $535,900, while a 2-unit property can go up to $686,050. If you're looking at a 3-unit residence, that's $829,250, and for 4-units, the limit is $1,030,600. These limits are essential for planning your real estate purchase.
When considering conventional loans, the maximum borrowing amount is $548,250 for a single-family home. For 2-unit homes, the cap is $702,000, for three-unit residences it reaches $848,500, and for 4-units, it climbs to $1,054,500. Keeping these figures in mind is crucial when considering your lending options.
Our FHA calculator is an invaluable tool to check today's prime FHA rates and assess necessary requirements such as downpayment, income, credit status, reserves, and documentation needed for qualification. Utilizing this can streamline your preparation process and help you secure the preferred loan.
If you wish to broaden your financial insights, compare loan offers from an extensive network of 100 lenders. This comparison can provide you with a comprehensive understanding of available options and aid in selecting the most suitable offer.
The Lendersa® calculator facilitates an insightful comparison of FHA rates and terms with a wide range of other loan programs, including Conventional loans, Jumbo options, VA, USDA, Non-QM, and hard money loans. This broad analysis empowers you to determine which type best fits your financial strategy and objectives.
Lendersa® integrates a vast amount of data from thousands of lenders, enabling a tailored and quick comparison against your specific financial profile and needs. This allows for a more informed decision-making process.
The Loan Limits Comparison Table for 2026 in Bon-Air county of Chesterfield, VA provides an extensive overview of maximum loan amounts across diverse loan types, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an exhaustive understanding of qualification requirements, including income, reserves, and credit, you can rely on the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $428,720 | $428,720 | $428,720 | $428,720 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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