The most you can borrow with a conforming loan here. FHA: $707,250 for one unit.
Sources: FHFA and HUD 2026 loan limit files. Restrictions apply. Example: payment at 7.125%, the Oct 30, 2026 conventional 30-year rate in Charles City County for a $500,000 home, 20% down. Principal and interest only.
Example Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.
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See my rateThe 2026 conforming loan limit in Charles City County, Virginia is $832,750 for a one-unit home, and the 2026 FHA loan limit is $707,250.
| Units | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $707,250 |
| 2 units | $1,066,250 | $905,400 |
| 3 units | $1,288,800 | $1,094,450 |
| 4 units | $1,601,750 | $1,360,100 |
Sources: FHFA 2026 conforming loan limits, HUD 2026 FHA mortgage limits.
The 2026 baseline limit, the same as 932 of 972 county-equivalents in the 12 states we lend in.
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Charles City County | $832,750 | $707,250 |
| Henrico County | $832,750 | $707,250 |
| Chesterfield County | $832,750 | $707,250 |
| Fairfax County | $1,249,125 | $1,249,125 |
| Virginia Beach | $832,750 | $757,850 |
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$707,250 for one unit in 2026. Up to $1,360,100 for four units.
$832,750 for one unit. Up to $1,601,750 for four units.
That is a jumbo loan. We offer Jumbo loans.
