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.
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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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