In 2025, FHA loan limits in Lake-Wilderness within Spotsylvania, VA are set at $822,375 for a single-family home. Limits for two-unit structures are $1,053,000, increasing to $1,272,750 for three-unit homes, and reaching $1,581,750 for four-unit buildings.
For conventional loans, the maximum amount is $822,375 for a single-family residence, extending to $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
Utilize our FHA calculator to find today’s leading FHA rates and determine the required downpayment, income, credit, reserves, and documentation necessary for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Consider Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans alongside FHA options.
Lendersa® efficiently pulls data from thousands of lenders, quickly matching it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Lake-Wilderness, Spotsylvania, VA, offers a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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