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Fannie Mae
Fannie Mae is a federal agency that purchase home loans from lenders. The agency finances their purchased loans by packaging mortgages into pools and then issuing securities against the pools. These securities are guaranteed by the Fannie Mae.

First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006

Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands

FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
ACCOMACK $200,160 $256,248 $256,248 $309,744
ALBEMARLE $261,250 $294,250 $294,250 $357,500
ALEXANDRIA $362,790 $464,449 $464,449 $561,411
ALLEGHANY $200,160 $256,248 $256,248 $309,744
AMELIA $256,500 $288,900 $288,900 $351,000
AMHERST $200,160 $256,248 $256,248 $309,744
APPOMATTOX $200,160 $256,248 $256,248 $309,744
ARLINGTON $362,790 $464,449 $464,449 $561,411
AUGUSTA $200,160 $256,248 $256,248 $309,744
BATH $200,160 $256,248 $256,248 $309,744
BEDFORD $200,160 $256,248 $256,248 $309,744
BEDFORD IND $200,160 $256,248 $256,248 $309,744
BLAND $200,160 $256,248 $256,248 $309,744
BOTETOURT $200,160 $256,248 $256,248 $309,744
BRISTOL $200,160 $256,248 $256,248 $309,744
BRUNSWICK $200,160 $256,248 $256,248 $309,744
BUCHANAN $200,160 $256,248 $256,248 $309,744
BUCKINGHAM $200,160 $256,248 $256,248 $309,744
BUENA VISTA $200,160 $256,248 $256,248 $309,744
CAMPBELL $200,160 $256,248 $256,248 $309,744
CAROLINE $256,500 $288,900 $288,900 $351,000
CARROLL $200,160 $256,248 $256,248 $309,744
CHARLES CITY $256,500 $288,900 $288,900 $351,000
CHARLOTTE $200,160 $256,248 $256,248 $309,744
CHARLOTTESVILLE $261,250 $294,250 $294,250 $357,500
CHESAPEAKE $313,500 $353,100 $353,100 $429,000
CHESTERFIELD $256,500 $288,900 $288,900 $351,000
CLARKE $362,790 $464,449 $464,449 $561,411
CLIFTON FORGE $200,160 $256,248 $256,248 $309,744
COLONIAL HEIGHT $256,500 $288,900 $288,900 $351,000
COVINGTON $200,160 $256,248 $256,248 $309,744
CRAIG $200,160 $256,248 $256,248 $309,744
CULPEPER $290,319 $340,816 $340,816 $414,076
CUMBERLAND $256,500 $288,900 $288,900 $351,000
DANVILLE $200,160 $256,248 $256,248 $309,744
DICKENSON $200,160 $256,248 $256,248 $309,744
DINWIDDIE $256,500 $288,900 $288,900 $351,000
EMPORIA $200,160 $256,248 $256,248 $309,744
ESSEX $200,160 $256,248 $256,248 $309,744
FAIRFAX $362,790 $464,449 $464,449 $561,411
FAIRFAX IND $362,790 $464,449 $464,449 $561,411
FALLS CHURCH $362,790 $464,449 $464,449 $561,411
FAUQUIER $362,790 $464,449 $464,449 $561,411
FLOYD $200,160 $256,248 $256,248 $309,744
FLUVANNA $261,250 $294,250 $294,250 $357,500
FRANKLIN $200,160 $256,248 $256,248 $309,744
FRANKLIN IND $200,160 $256,248 $256,248 $309,744
FREDERICK $253,320 $285,318 $285,318 $346,648
FREDERICKSBURG $362,790 $464,449 $464,449 $561,411
GALAX $200,160 $256,248 $256,248 $309,744
GILES $200,160 $256,248 $256,248 $309,744
GLOUCESTER $313,500 $353,100 $353,100 $429,000
GOOCHLAND $256,500 $288,900 $288,900 $351,000
GRAYSON $200,160 $256,248 $256,248 $309,744
GREENE $261,250 $294,250 $294,250 $357,500
GREENSVILLE $200,160 $256,248 $256,248 $309,744
HALIFAX $200,160 $256,248 $256,248 $309,744
HAMPTON $313,500 $353,100 $353,100 $429,000
HANOVER $256,500 $288,900 $288,900 $351,000
HARRISONBURG $200,160 $256,248 $256,248 $309,744
HENRICO $256,500 $288,900 $288,900 $351,000
HENRY $200,160 $256,248 $256,248 $309,744
HIGHLAND $200,160 $256,248 $256,248 $309,744
HOPEWELL $256,500 $288,900 $288,900 $351,000
ISLE OF WIGHT $313,500 $353,100 $353,100 $429,000
JAMES CITY $313,500 $353,100 $353,100 $429,000
KING AND QUEEN $256,500 $288,900 $288,900 $351,000
KING GEORGE $290,319 $340,816 $340,816 $414,076
KING WILLIAM $256,500 $288,900 $288,900 $351,000
LANCASTER $200,160 $256,248 $256,248 $309,744
LEE $200,160 $256,248 $256,248 $309,744
LEXINGTON $200,160 $256,248 $256,248 $309,744
LOUDOUN $362,790 $464,449 $464,449 $561,411
LOUISA $256,500 $288,900 $288,900 $351,000
LUNENBURG $200,160 $256,248 $256,248 $309,744
LYNCHBURG $200,160 $256,248 $256,248 $309,744
MADISON $200,160 $256,248 $256,248 $309,744
MANASSAS $362,790 $464,449 $464,449 $561,411
MANASSAS PARK $362,790 $464,449 $464,449 $561,411
MARTINSVILLE $200,160 $256,248 $256,248 $309,744
MATHEWS $313,500 $353,100 $353,100 $429,000
MECKLENBURG $200,160 $256,248 $256,248 $309,744
MIDDLESEX $200,160 $256,248 $256,248 $309,744
MONTGOMERY $200,160 $256,248 $256,248 $309,744
NELSON $261,250 $294,250 $294,250 $357,500
NEW KENT $256,500 $288,900 $288,900 $351,000
NEWPORT NEWS $313,500 $353,100 $353,100 $429,000
NORFOLK $313,500 $353,100 $353,100 $429,000
NORTHAMPTON $200,160 $256,248 $256,248 $309,744
NORTHUMBERLAND $200,160 $256,248 $256,248 $309,744
NORTON $200,160 $256,248 $256,248 $309,744
NOTTOWAY $200,160 $256,248 $256,248 $309,744
ORANGE $200,160 $256,248 $256,248 $309,744
PAGE $200,160 $256,248 $256,248 $309,744
PATRICK $200,160 $256,248 $256,248 $309,744
PETERSBURG $256,500 $288,900 $288,900 $351,000
PITTSYLVANIA $200,160 $256,248 $256,248 $309,744
POQUOSON $313,500 $353,100 $353,100 $429,000
PORTSMOUTH $313,500 $353,100 $353,100 $429,000
POWHATAN $256,500 $288,900 $288,900 $351,000
PRINCE EDWARD $200,160 $256,248 $256,248 $309,744
PRINCE GEORGE $256,500 $288,900 $288,900 $351,000
PRINCE WILLIAM $362,790 $464,449 $464,449 $561,411
PULASKI $200,160 $256,248 $256,248 $309,744
RADFORD $200,160 $256,248 $256,248 $309,744
RAPPAHANNOCK $200,160 $256,248 $256,248 $309,744
RICHMOND $200,160 $256,248 $256,248 $309,744
RICHMOND IND $256,500 $288,900 $288,900 $351,000
ROANOKE $200,160 $256,248 $256,248 $309,744
ROANOKE IND $200,160 $256,248 $256,248 $309,744
ROCKBRIDGE $200,160 $256,248 $256,248 $309,744
ROCKINGHAM $200,160 $256,248 $256,248 $309,744
RUSSELL $200,160 $256,248 $256,248 $309,744
SALEM $200,160 $256,248 $256,248 $309,744
SCOTT $200,160 $256,248 $256,248 $309,744
SHENANDOAH $200,160 $256,248 $256,248 $309,744
SMYTH $200,160 $256,248 $256,248 $309,744
SOUTHAMPTON $200,160 $256,248 $256,248 $309,744
SPOTSYLVANIA $362,790 $464,449 $464,449 $561,411
STAFFORD $362,790 $464,449 $464,449 $561,411
STAUNTON $200,160 $256,248 $256,248 $309,744
SUFFOLK $313,500 $353,100 $353,100 $429,000
SURRY $313,500 $353,100 $353,100 $429,000
SUSSEX $256,500 $288,900 $288,900 $351,000
TAZEWELL $200,160 $256,248 $256,248 $309,744
VIRGINIA BEACH $313,500 $353,100 $353,100 $429,000
WARREN $362,790 $464,449 $464,449 $561,411
WASHINGTON $200,160 $256,248 $256,248 $309,744
WAYNESBORO $200,160 $256,248 $256,248 $309,744
WESTMORELAND $200,160 $256,248 $256,248 $309,744
WILLIAMSBURG $313,500 $353,100 $353,100 $429,000
WINCHESTER $253,320 $285,318 $285,318 $346,648
WISE $200,160 $256,248 $256,248 $309,744
WYTHE $200,160 $256,248 $256,248 $309,744
YORK $313,500 $353,100 $353,100 $429,000