In 2026, the FHA loan limit in Spotsylvania-Courthouse county, Spotsylvania, VA is set at $822,375 for a single-family home. For 2-units, it increases to $1,053,000, for 3-units it is $1,272,750, and for 4-units, the limit reaches $1,581,750.
Conventional loan limits are $822,375 for a single-family residence, $1,053,000 for two-unit properties, $1,272,750 for three-unit buildings, and $1,581,750 for four-unit structures.
Utilize our FHA calculator to discover today’s top FHA rates and determine what downpayment, income, credit, reserves, and documents are needed to qualify.
The Lendersa® calculator allows a comparison of FHA rates and terms with various other loan programs. Delve into options such as Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans alongside FHA.
Lendersa® aggregates data from thousands of lenders to swiftly match it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Spotsylvania-Courthouse, Spotsylvania, VA, enables evaluation of maximum loan levels for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualification criteria such as income, reserves, and credit.
| 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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