In 2026, the FHA loan limit for Waynesboro county in Waynesboro, VA, is set at $472,030 for a single-family home. For 2-unit properties, it is $604,400; for homes with 3 units, the cap is $730,525; and for 4-unit residences, it reaches $907,900.
The maximum for conventional loans on a single-family home is $726,200. For those with 2 units, the cap is $929,850; for 3-unit properties, it goes up to $1,123,900; and for 4-unit properties, it's $1,396,800.
By using our FHA calculator, you can view today’s ideal FHA rates and determine essential qualifications, such as downpayment, income, credit reserves, and necessary documentation.
Through the Lendersa® calculator, you can compare FHA rates and terms with those from other loan programs. Consider and evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in relation to FHA.
Lendersa® quickly gathers comprehensive loan program data from thousands of lenders, matching it with your unique financial profile and needs.
For 2026, the Loan Limits Comparison Table in Waynesboro county of Waynesboro, VA, provides insights on maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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