2026 loan limits in Fairfax County, Virginia
In Fairfax County, a conventional loan up to $1,249,125 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,249,125.
Conforming limit (1 unit)$1,249,125High-cost county
FHA limit (1 unit)$1,249,125High-cost county
Highest price, 20% down, conforming$1,561,406Loan at the limit
Highest price, 3.5% down, FHA$1,294,430Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,249,125 | $1,249,125 |
| 2 units | $1,599,375 | $1,599,375 |
| 3 units | $1,933,200 | $1,933,200 |
| 4 units | $2,402,625 | $2,402,625 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,561,406 in Fairfax County and stay conforming; with 10% down, about $1,387,917. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $1,294,430.
Questions
What is the 2026 conforming loan limit in Fairfax County?
$1,249,125 for a one-unit home.
What is the 2026 FHA loan limit in Fairfax County?
$1,249,125 for a one-unit home.
More for Fairfax County
Fairfax County property taxesFHA loan limits toolVirginia closing costsAlexandria 22303 market dataAlexandria 22306 market dataAlexandria 22307 market dataAlexandria 22308 market dataAlexandria 22309 market dataAlexandria 22310 market dataAlexandria 22312 market dataAlexandria 22315 market dataAnnandale 22003 market dataBurke 22015 market data
2026 limits from HUD’s county files (Washington-Arlington-Alexandria, Dc-Va-Md-Wv). Conforming limits are set by the Federal Housing Finance Agency.