Nelson County, Virginia Loan Limits for 2026

The FHA loan limit in Nelson County is $598,000 for a one-unit home in 2026 (a high-cost area above the national floor), and the conforming limit for Fannie Mae and Freddie Mac loans is $832,750. Anything larger is a jumbo loan. HUD sets the FHA figure for the CHARLOTTESVILLE, VA area.

2026 limits by number of units

UnitsFHA limitConforming limit
1$598,000$832,750
2$765,550$1,066,250
3$925,350$1,288,800
4$1,150,000$1,601,750

FHA limits effective January 1, 2026 per HUD; conforming limits for mortgages acquired in calendar year 2026 per FHFA. HUD's median price used to set the FHA limit here: $520,000.

What the limit means at the median price

The median Nelson County home is worth $283,000. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $273,095, within the county limit.

Frequently asked questions

What is the FHA loan limit in Nelson County for 2026?

$598,000 for a single-family home, $765,550 for a duplex, $925,350 for a triplex and $1,150,000 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Nelson County is a high-cost area, so its limit sits above the national floor of $541,287.

What is the conforming loan limit in Nelson County?

$832,750 for a one-unit home in 2026 ($1,066,250, $1,288,800 and $1,601,750 for 2, 3 and 4 units), per the Federal Housing Finance Agency. Loans above it are jumbo loans.

Does the limit cap the home price?

No. It caps the loan amount. A buyer can purchase a home above the limit by making a larger down payment so the mortgage stays within it.

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

Loan limits in every Virginia county → Nelson County home buyer guide →

General information, not lending advice. Lenders may set their own lower caps.

Nelson County overview