In 2026, FHA loan limits in Smithfield county of Isle of Wight, VA are set at $507,150 for a single-family home. The limit is $649,250 for 2-units, $784,800 for 3-units, and $975,300 for 4-units.
For conventional loans, the maximum on a single-family residence is $726,200. For 2-units, it’s $929,850, for 3-units $1,123,900, and for 4-units $1,396,800.
Utilize our FHA calculator to access today’s best FHA rates and determine the required downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator helps compare FHA rates and terms with those of other loan programs, like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers quick data from thousands of lenders, matching it against your financial profile to fit your needs.
The Loan Limits Comparison Table for 2026 in Smithfield county of Isle of Wight, VA allows comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare income, reserves, and credit requirements, use 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 | $391,000 | $391,000 | $391,000 | $391,000 |
| 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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