FHA Loan Limits in US Virgin Islands
Residents of the US Virgin Islands get to enjoy the beauty of the Caribbean year round. If you live there and need a mortgage for a home that you are purchasing then check into an FHA-insured mortgage loan. FHA refinance programs are also available for existing home owners.
FHA loans are issued by FHA-approved lenders. The Federal Housing Administration simply insures the loans. The lenders are willing to accept more risk since the loans are insured against defaulting borrowers.
You can find the FHA loan limits that apply to your Virgin Island home below. The loan limits are based on the median cost of a home on each of the major US Virgin Islands – St. Croix, St. James, and St. Thomas.
Virgin Islands FHA Loan Limits by Island
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 327750 | 419550 | 507150 | 630300 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 623300 | 797950 | 964500 | 1198650 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 446200 | 571200 | 690450 | 858100 |