Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for James City County, Virginia

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

James City County, Virginia, mortgage loan limits apply in:

James City County 2025 mortgage loan limits include the following cities:
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in James City County, Virginia

James City County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from James City County, Virginia

James City County mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
7,913
Loan Type
Relative Share
Conventional
61.82%
FHA
10.86%
VA
26.72%
USDA
0.61%
Property Type
Relative Share
1-Unit Homes
99.86%
2-Unit Homes
0.13%
3-Unit Homes
0.01%
4-Unit Homes
0.00%
Borrower Status
Relative Share
One Applicant
47.16%
Two or More Applicants
52.84%
Gender
Relative Share
Male
28.12%
Female
18.27%
Joint Sex
46.56%
Not Available
7.05%
Race
Relative Share
American Indian / Alaska Native
0.25%
Asian
2.50%
Black / African American
7.70%
Native Hawaiian / Other Pacific Islander
0.23%
White
72.93%
Mixed Race
2.97%
Other Race
13.42%
Ethnicity
Relative Share
Hispanic or Latino
3.79%
Not Hispanic or Latino
80.60%
Joint Ethnicity
2.38%
Other Ethnicity
13.23%
James City County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near James City County, Virginia

2025 conforming and FHA mortgage loan limits for for the areas surrounding James City County, Virginia. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Charles City County, Virginia
Gloucester County, Virginia
Isle of Wight County, Virginia
King and Queen County, Virginia
New Kent County, Virginia
Surry County, Virginia
York County, Virginia
Newport News City, Virginia
Williamsburg City, Virginia
National Data

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