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FHA loans in Rose Hill, VA

Quick answer

The 2026 FHA loan limit in Rose Hill, VA (Fairfax County) is $1,249,125 for a single-family home, enough for a purchase price up to about $1,294,000 with 3.5% down. On the $657,900 median home value, that down payment is about $23,027 and the estimated payment is $5,204/month at 7.18%, which needs roughly $224,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $160,426; value-to-income ratio 4.10. Rose Hill ranks 33 by home value and 61 by population among 129 places in our VA dataset.

What does an FHA loan cost on a typical Rose Hill home?

ItemRose Hill
Median home value (Census ACS)$657,900
Virginia median home value$360,700
Down payment (3.5%)$23,027
Loan incl. 1.75% upfront MIP$645,984
Estimated monthly payment (PITI + MI)$5,204
Income needed (28% / 36%)$224,000 / $174,000
Fairfax County 2026 FHA limit (1 unit)$1,249,125
Max purchase price at the limit$1,294,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Virginia's 0.74% effective property tax rate (Census ACS), $1,537/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Rose Hill?

Rose Hill is in Fairfax County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $1,249,125. With the minimum 3.5% down, that caps the purchase price at about $1,294,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,249,125).

The Rose Hill median home value of $657,900 is 82% above the Virginia median, and within what the county limit supports.

Which down payment assistance programs can Rose Hill buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

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FHA loan FAQs for Rose Hill

Rose Hill is in Fairfax County, where HUD's 2026 FHA limit for a one-unit home is $1,249,125. With 3.5% down, that supports a purchase price up to about $1,294,000.

3.5% of $657,900 is about $23,027 with a 580+ credit score (10%, or $65,790, with a 500–579 score), plus closing costs.

At the $657,900 median value (above the Virginia median of $360,700), the estimated payment of $5,204/month at 7.18% needs about $224,000 a year under the 28% housing guideline, or $174,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.