Homebuyers in Virginia will be excited to know that new, higher conforming loan limits have been announced for 2025. That means it is now possible to borrow up to a higher amount than in 2024 without exceeding the conforming loan limits.
Here are the 2025 Conforming Loan Limits for Virginia

The Federal Housing Finance Agency (FHFA) says, “In most of the United States, the 2025 CLL value for one-unit properties will be $806,500, an increase of $39,950 (or 5.2 percent) from 2024.”
To know how high the conforming loan limits are where you are shopping for a home, you need to look up the limits for the county in question.
Blacksburg, which is where we are based, is located in Montgomery County. Here are the conforming loan limits for Montgomery County in 2025:
- 1 unit: $806,500
- 2 units: $1,032,650
- 3 units: $1,248,150
- 4 units: $1,551,250
These were the 2024 conforming loan limits for Montgomery County:
- 1 unit: $766,550
- 2 units: $981,500
- 3 units: $1,186,350
- 4 units: $1,474,400
If you are shopping for a home elsewhere in Virginia, it is important to be aware that there are some high cost counties and cities in Virginia that have higher conforming loan limits.
Arlington County, Clarke County, Culpepper County, Fairfax County, Fauquier County, Loudoun County, Madison County, Prince William County, Rappahannock County, Spotsylvania County, Stafford County, Warren County, Alexandria City, Fairfax City, Falls Church City, Fredericksburg City, Manassas City and Manassas Park City all have the following conforming loan limits in 2025:
- 1 unit: $1,209,750
- 2 units: $1,548,975
- 3 units: $1,872,225
- 4 units: $2,326,875
In other counties and cities in Virginia that do not fall into this high cost classification, the conforming loan limits in 2025 are the same as they are for Montgomery County.
How Higher Conforming Loan Limits for 2025 Benefit Homebuyers
What are the benefits of higher conforming loan limits in 2025? Home prices have been rising, which means that each year, homebuyers need to potentially borrow more to buy a home. Raising the conforming loan limits helps more homebuyers to qualify for a conforming mortgage, rather than needing to apply for a non-conforming “jumbo” mortgage.
Qualifying for a jumbo mortgage is a more involved process than qualifying for a conforming loan. Plus, you need to be able to put down more money to buy a home with a jumbo loan. So, when you can apply for a conforming loan instead, it tends to result in a faster and easier mortgage process.
Buy a Home in Virginia
During your mortgage consultation, we can answer any questions you have about conforming and non-conforming loans. Whichever type of home loan you need, we can connect you with a mortgage featuring competitive rates. To get started, please give us a call at (540) 838-5868. We look forward to helping you buy a home in Blacksburg or anywhere in VA.