For the current year, 2026, the FHA loan limits in Charlottesville, located in Charlottesville county of VA, are structured as follows: $546,250 for a single-family home, $699,300 for properties with two units, $845,300 for three-unit residences, and $1,050,500 for four-unit homes.
Conversely, for conventional loans, the maximum amount you can borrow for a single-family home is $726,200. For two-unit residences, it's set at $929,850, for three units $1,123,900, and it reaches up to $1,396,800 for residences with four units.
Try our FHA calculator to browse today's top FHA rates and assess the down payment, income, credit status, reserves, and documentation necessary for qualification.
The Lendersa® calculator provides a means to compare the rates and terms of FHA loans with those of other programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all assessed alongside FHA options.
Lendersa® accumulates data regarding various loan programs from a wide range of lenders and swiftly compares it with your specific financial details and needs.
Check out the Loan Limits Comparison Table for 2026 in Charlottesville county, Charlottesville, VA. This table presents a comparative view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. If you need to evaluate qualification conditions like income, reserves, and credit scores, turn to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $546,250 | $699,300 | $845,300 | $1,050,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $428,700 | $428,700 | $428,700 | $428,700 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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