Williamsburg city, Virginia Loan Limits for 2026

The FHA loan limit in Williamsburg city is $757,850 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 VIRGINIA BEACH-CHESAPEAKE-NORFOLK, VA-NC area.

2026 limits by number of units

UnitsFHA limitConforming limit
1$757,850$832,750
2$970,200$1,066,250
3$1,172,750$1,288,800
4$1,457,450$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: $630,000.

What the limit means at the median price

The median Williamsburg city home is worth $393,200. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $379,438, within the county limit.

Frequently asked questions

What is the FHA loan limit in Williamsburg city for 2026?

$757,850 for a single-family home, $970,200 for a duplex, $1,172,750 for a triplex and $1,457,450 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Williamsburg city is a high-cost area, so its limit sits above the national floor of $541,287.

What is the conforming loan limit in Williamsburg city?

$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 → Williamsburg city home buyer guide →

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

Williamsburg city overview