$500K · Richmond County$500,000 home · $100,000 down · Richmond County, VA · 780+ · Primary
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Conventional
Conventional 30-yr fixed rates
No pointsRatePointsAPRClosingClosing costs
7.125%7.125% APR0.0007.125%ZERO7.000%7.037% APR0.3757.037%ZERO6.875%6.949% APR0.7506.949%ZERO6.750%6.886% APR1.3756.886%ZERO6.625%6.809% APR1.8756.809%ZEROConventional 15-yr fixed rates
No pointsRatePointsAPRClosingClosing costs
6.750%6.750% APR0.0006.750%ZERO6.375%6.474% APR0.6256.474%ZERO6.250%6.409% APR1.0006.409%ZERO6.125%6.363% APR1.5006.363%ZERO5.875%6.211% APR2.1256.211%ZEROVeteran
Veteran Affairs (VA) loans are only available to US armed forces, veterans, and surviving spouses. Select FHA or Conventional if you are not eligible for a VA Loan.
Veteran 30-yr fixed rates
No pointsRatePointsAPRClosingClosing costs
6.750%6.872% APR0.0006.872%ZERO6.625%6.783% APR0.3756.783%ZERO6.375%6.604% APR1.1256.604%ZERO6.250%6.539% APR1.7506.539%ZERO6.125%6.449% APR2.1256.449%ZEROVeteran 15-yr fixed rates
Fewest pointsRatePointsAPRClosingClosing costs
6.500%6.819% APR0.7506.819%ZERO6.125%6.461% APR0.8756.461%ZERO6.000%6.355% APR1.0006.355%ZERO5.875%6.289% APR1.3756.289%ZERO5.625%6.137% APR2.0006.137%ZEROFHA
FHA 30-yr fixed rates
No pointsRatePointsAPRClosingClosing costs
6.625%7.152% APR0.0007.152%ZERO6.500%7.063% APR0.3757.063%ZERO6.375%6.987% APR0.8756.987%ZERO6.250%6.924% APR1.5006.924%ZERO6.125%6.847% APR2.0006.847%ZEROFHA 15-yr fixed rates
Fewest pointsRatePointsAPRClosingClosing costs
6.500%6.978% APR0.3756.978%ZERO6.125%6.620% APR0.5006.620%ZERO6.000%6.534% APR0.7506.534%ZERO5.875%6.510% APR1.3756.510%ZERO5.500%6.251% APR2.1256.251%ZEROLike one of these rates? See your full quote.
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2026 loan limits
The 2026 conforming loan limit in Richmond County, VA is $832,750 for a one-unit home. The 2026 FHA loan limit in Richmond County, VA is $541,287 for a one-unit home.
| Units | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
2026 limits for Richmond County, VA. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.
In this area
Mortgage rates near Richmond County
All Virginia mortgage rates
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Rates are estimates and subject to change without notice.Nearby for Richmond County· loan limits
- Loan limits
- Richmond County loan limits