In the year 2026, the FHA loan limits in Fredericksburg county, part of Fredericksburg, VA, are as follows: $1,089,300 for single-family homes, $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for fourplexes.
For conventional loans, the maximum amount available for single-family homes is $726,200. The limits extend to $929,850 for 2-unit properties, $1,123,900 for 3-unit properties, and $1,396,800 for 4-unit properties.
Utilize our FHA calculator for discovering the most competitive FHA rates currently available, and ascertain what down payment, income, credit score, reserves, and documentation you’ll need for qualification.
The Lendersa® tool lets you assess FHA interest rates and terms against those of other lending options. It facilitates the exploration and comparison of Conventional, Jumbo, VA, USDA, Non-QM, as well as hard money loan possibilities in conjunction with FHA options.
Lendersa® aggregates data from numerous lenders, instantly comparing it to your specific financial profile and requirements.
In 2026, check out the Loan Limits Comparison Table for Fredericksburg county within Fredericksburg, VA. Assess FHA alongside Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. For comparing qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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