In 2025, FHA loan limits for Madison-Heights county under Amherst, VA are structured as follows: a single-family home is limited to $356,362. For a 2-unit property, the cap extends to $456,275, while for a 3-unit home, it is set at $551,500. Finally, for properties with 4-units, the maximum loan amount is $685,400. These predetermined limits are fundamental knowledge for buyers planning their financing and ensuring they approach their investment and purchase decisions with accurate figures.
When considering conventional loans, different limits apply based on the property size. For a single-family residence, the loan amount peaks at $548,250. If you're purchasing a 2-unit home, the upper limit is $702,000. Those eyeing a 3-unit property, the ceiling is $848,500; for a 4-unit structure, it’s $1,054,500. Being informed of these constraints is crucial for establishing your financial strategy and setting realistic expectations concerning property acquisition.
To gain insights into today's most advantageous FHA rates and lay out specifics such as required downpayments, necessary income verifications, pertinent credit assessments, essential reserves, and compulsory documentation needed for eligibility, use our FHA calculator. This tool guides borrowers through the intricacies of financial planning, aiding in the seamless navigation of the loan procurement process.
Expand your financial options by comparing loan offers from a robust selection of 100 lenders, ensuring you choose the most favorable terms that align with your holistic financial picture and goals.
The Lendersa® calculator facilitates a detailed comparison of FHA rates and terms against an array of other loan programs. This includes Conventional loans, Jumbo loans, VA options, USDA offerings, Non-QM lending, and hard money loans. This comprehensive evaluation empowers you with the knowledge required to make an informed lending choice that aligns with your lifestyle and financial ambitions.
By drawing upon vast amounts of lender data, Lendersa® swiftly aligns this information with your unique financial profile and specific needs. This tailored approach aids in strategic decision-making, equipping you with a clear understanding of the best loan options for your circumstances.
The Loan Limits Comparison Table for 2025 within Madison-Heights county of Amherst, VA provides insights into maximum loan amounts across various options, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed examination of qualifications requirements, encompassing income, reserves, and credit considerations, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™), simplifying the assessment of viable financial paths and enhancing clarity in lending options.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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