Virginia Beach, VA Mortgage Calculator
Estimate your monthly mortgage payment in Virginia Beach including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$2,316
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $288,000
LTV: 0.01%
P&I Payment
$1,906
Total Interest
$398,308
over loan life
Payoff
30 yr
Closing Costs
$5,484–$10,237
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,906 | $238 | $1,668 | $287,762 | $1,668 |
| 2 | $1,906 | $240 | $1,667 | $287,522 | $3,335 |
| 3 | $1,906 | $241 | $1,665 | $287,281 | $5,000 |
| 4 | $1,906 | $243 | $1,664 | $287,038 | $6,664 |
| 5 | $1,906 | $244 | $1,662 | $286,794 | $8,326 |
| 6 | $1,906 | $245 | $1,661 | $286,549 | $9,987 |
| 7 | $1,906 | $247 | $1,660 | $286,302 | $11,647 |
| 8 | $1,906 | $248 | $1,658 | $286,054 | $13,305 |
| 9 | $1,906 | $250 | $1,657 | $285,804 | $14,962 |
| 10 | $1,906 | $251 | $1,655 | $285,553 | $16,617 |
| 11 | $1,906 | $253 | $1,654 | $285,300 | $18,271 |
| 12 | $1,906 | $254 | $1,652 | $285,046 | $19,923 |
Months 1–12 of 360
2025 Loan Limits — Virginia Beach City, VA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Virginia Beach Mortgage
What is the average mortgage payment in Virginia Beach?
Based on the median home value of $360,000 in Virginia Beach, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Virginia Beach?
The 2025 FHA loan limit for Virginia Beach (Virginia Beach City) is $524,225.
What is the conforming loan limit in Virginia Beach?
The 2025 conforming loan limit for Virginia Beach is $806,500. Loans above this are considered jumbo.