2026 loan limits in King and Queen County, Virginia
In King and Queen County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $707,250.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$707,250High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$732,902Loan at the limit
2026 limits by number of units
| Property | 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 |
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 $1,040,938 in King and Queen County and stay conforming; with 10% down, about $925,278. 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 $732,902.
Questions
What is the 2026 conforming loan limit in King and Queen County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in King and Queen County?
$707,250 for a one-unit home.
More for King and Queen County
King and Queen County property taxesFHA loan limits toolVirginia closing costsBruington 23023 market dataCenter Cross 22437 market dataKing And Queen Court House 23085 market dataLittle Plymouth 23091 market dataMattaponi 23110 market dataNewtown 23126 market dataSaint Stephens Church 23148 market dataShacklefords 23156 market dataStevensville 23161 market dataWalkerton 23177 market data
2026 limits from HUD’s county files (Richmond, Va). Conforming limits are set by the Federal Housing Finance Agency.