In 2026, FHA loan limits in Grottoes, located in Rockingham, VA, are set at $472,030 for a single-family home, extending to $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum for conventional loans is $726,200 for a single-family residence, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to check today’s FHA best rates and determine the necessary downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against those of various loan programs. Delve into options like Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans.
Lendersa® aggregates data from thousands of lenders, quickly aligning it with your financial profile and needs to offer personalized insights.
The Loan Limits Comparison Table for 2026 in Grottoes, within Rockingham, VA, gives a direct comparison of maximum loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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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