In 2025, the FHA loan limits for Newington-Forest county within Fairfax, VA, are defined as follows: a single-family home can borrow up to $822,375. When considering a 2-unit property, the borrowing cap rises to $1,053,000. For those interested in 3-unit buildings, the limit is $1,272,750, and for 4-unit dwellings, the maximum borrowing amount is set at $1,581,750. Being informed about these limits is crucial as it assists prospective buyers in making well-informed financial decisions concerning their real estate investments and ensuring that property purchases align with budgetary expectations and lending capacities.
For those looking at conventional loan options, the maximum loan amounts differ. For a single-family residence, the cap is $822,375. For 2-units, you're looking at $1,053,000, while 3-unit properties have a limit of $1,272,750. For 4-unit properties, the maximum reaches $1,581,750. Understanding these figures is important for assessing potential residential financing and deciding on an appropriate property size and configuration under conventional loan rules.
Make good use of our FHA calculator. This tool allows you to discover today’s most competitive FHA rates while helping you calculate essential factors like downpayment needs, required income levels, credit check requirements, reserves evaluation, and necessary documents crucial for qualification. Assembling these insights helps streamline your approach and guide you towards a seamless loan application process.
For a comprehensive financial consideration, compare loan offers from a diverse and extensive network of 100 lenders. This comparison will help ensure you find a loan package that best accommodates your personal and financial criteria while presenting favorable rates and terms.
The Lendersa® calculator serves as an effective instrument for contrasting FHA rates and terms with those offered by a spectrum of other lending programs. This includes Conventional loans, Jumbo options, VA solutions, USDA offerings, Non-QM products, and hard money loans. Such a broad array empowers you to select the loan type that best aligns with your financial circumstances and home financing intentions.
Lendersa® efficiently aggregates an abundance of loan program data from numerous lenders and swiftly aligns it with your distinctive financial profile, facilitating informed choices that resonate with your property ambitions.
The Loan Limits Comparison Table for 2025 in Newington-Forest county within Fairfax, VA provides detailed information about the maximum loan amounts across various categories such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Moreover, to deeply navigate the qualification requirements—concerning income, reserves, and credit structure—leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This tool smoothens the evaluation process and simplifies understanding of which financial pathways are most viable for your needs.
| 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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