VA mortgage rates

Richmond County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Richmond County, Virginia. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Richmond County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Richmond County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Richmond

A local view of the market.

Richmond County, Virginia, has seen a notable increase in real estate values, with the median home sold price reaching $265,000 in October 2024, marking a 7.2% rise from the previous year. The median price per square foot stands at $183, indicating a steady demand in the housing market. The county's prominent towns include Warsaw, the county seat, which serves as a central hub for commerce and community activities. Warsaw has a population of approximately 1,500 residents, offering a small-town charm with essential amenities. Another significant area is Farnham, known for its rural landscapes and close-knit community atmosphere. Richmond County offers a predominantly rural lifestyle with expansive agricultural lands and a focus on farming. The local economy is driven by agriculture, forestry, and fishing industries, attracting those seeking a quieter, countryside living environment. The county's appeal lies in its scenic beauty and slower pace of life, drawing individuals and families looking to escape urban congestion and embrace a more tranquil setting.

Questions & Answers

Refinancing in Richmond County

Common questions about 2026 loan limits and refinancing opportunities in Virginia.

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