In 2026, the FHA loan limit in Merrifield county, Fairfax, VA is $1,089,300 for a single-family home. For a 2-unit property, the limit is $1,394,775, whereas a 3-unit property is capped at $1,685,850, and a 4-unit property at $2,095,200.
Regarding conventional loans, the highest amount allowable for a single-family residence is $1,089,300. For a 2-unit property, it's set at $1,394,775; for three units, it's $1,685,850, and for four units, the limit goes up to $2,095,200. Knowledge of these limits is crucial for determining your purchasing power.
Utilize our FHA calculator to access today’s FHA top rates and establish the necessary downpayment, income, credit, reserves, and documentation required to qualify.
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The Lendersa® calculator helps you contrast FHA rates and terms with those of other available loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. By comparing these options, you can better understand the advantages of each type of loan.
By leveraging data from thousands of lenders, Lendersa® facilitates a swift comparison tailored to your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Merrifield county, Fairfax, VA offers a detailed comparison of maximum loan amounts for various loan types, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth examination of qualification criteria, including income, reserves, and credit, you can 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 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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