In 2026, the FHA loan limit for Richmond county of Richmond, VA is $546,250 for a single-family home. For 2-unit properties, it's $699,300; for 3-units, $845,300; and for 4-units, $1,050,500.
The maximum loan amount for conventional loans on a single-family residence is $726,200. For 2-units, the limit is $929,850, for 3-units it's $1,123,900, and for 4-units, $1,396,800.
Use our FHA calculator to see today’s top FHA rates and figure out downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers and processes loan data from thousands of lenders, matching it against your financial profile and needs swiftly.
Our Loan Limits Comparison Table for 2026 in Richmond county of Richmond, VA, compares maximum FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. For evaluating qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $546,250 | $699,300 | $845,300 | $1,050,500 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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