For 2026, the FHA loan limit in Winchester, within Winchester county of VA, is $472,030 for a single-family home, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for fourplexes.
The maximum amounts for conventional loans are $726,200 for a single-family home, with $929,850 for two units, $1,123,900 for three, and $1,396,800 for a property with four units.
Utilize our FHA calculator to view today's best FHA rates and determine the necessary down payment, income requirements, credit status, reserves, and documentation for qualification.
Lendersa® calculator enables you to assess FHA rates and terms alongside other programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls and compares loan data from thousands of lenders, ensuring it matches your financial profile and needs.
Check the Loan Limits Comparison Table for 2026 in Winchester county, Winchester, VA. It compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare qualification criteria like income, reserves, and credit, use 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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