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 Richmond City, 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

Richmond City, Virginia, mortgage loan limits apply in:

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

Historical Charts: Mortgage Loan Limits in Richmond City, Virginia

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

Conforming Loans
FHA Loans

Mortgage Statistics from Richmond City, Virginia

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

Mortgages
Total
Purchase Mortgages (2018-2023)
13,716
Loan Type
Relative Share
Conventional
83.19%
FHA
12.78%
VA
4.03%
USDA
0.00%
Property Type
Relative Share
1-Unit Homes
96.95%
2-Unit Homes
2.33%
3-Unit Homes
0.26%
4-Unit Homes
0.46%
Borrower Status
Relative Share
One Applicant
62.65%
Two or More Applicants
37.35%
Gender
Relative Share
Male
32.14%
Female
28.05%
Joint Sex
29.97%
Not Available
9.83%
Race
Relative Share
American Indian / Alaska Native
0.27%
Asian
3.28%
Black / African American
10.81%
Native Hawaiian / Other Pacific Islander
0.29%
White
66.47%
Mixed Race
2.75%
Other Race
16.13%
Ethnicity
Relative Share
Hispanic or Latino
5.14%
Not Hispanic or Latino
77.03%
Joint Ethnicity
1.74%
Other Ethnicity
16.08%
Richmond City 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 Richmond City, Virginia

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

View Nearby Counties:

Chesterfield County, Virginia
Henrico County, Virginia
National Data

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