In 2026, the FHA loan limit for Portsmouth within Portsmouth county of VA is structured as follows: $507,150 for a single-family home, $649,250 for two units, $784,800 for three units, and $975,300 for four units.
For conventional loans, the maximum loan available for a single-family dwelling reaches $726,200. Additionally, it's set at $929,850 for properties with two units, $1,123,900 for three units, and $1,396,800 for those with four units.
Our FHA calculator can help you discover today’s best FHA rates and determine the necessary down payment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Pulling in data from thousands of lenders, Lendersa® instantly aligns these programs with your specific financial needs.
For 2026 in Portsmouth county of Portsmouth, VA, check out the Loan Limits Comparison Table comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For examining qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $507,150 | $649,250 | $784,800 | $975,300 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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