Williamsburg city, Virginia mortgage rates and loan limits
Updated Oct 12, 2026Part of the Virginia Beach-Chesapeake-Norfolk, VA-NC metro area.
Williamsburg city had 82 loans in 2025: too few for a range of what borrowers paid, so its estimate stays close to Virginia's.
Today's Williamsburg city estimates
| Loan | Refinance | Buy a home | ||
|---|---|---|---|---|
| Rate | APR | Rate | APR | |
| 30-year fixed | 7.36% | 7.50% | 7.44% | 7.57% |
| 15-year fixed | 6.66% | 6.78% | 6.83% | 6.95% |
| FHA 30-year fixed | 6.72% | 7.59% | 7.06% | 7.93% |
| VA 30-year fixed | 6.49% | 6.66% | 6.94% | 7.10% |
| Jumbo 30-year fixed | 7.31% | 7.44% | 7.38% | 7.51% |
| 5/6 adjustable-rate | 5.47% | 6.22% | 5.59% | 6.34% |
Estimates for Oct 9, 2026: 760–779 credit, 20% down, $400,000 loan, at typical points.
About these estimates
Each rate is quoted at the points typical for its loan. Williamsburg city's estimate is Virginia's moved by how far Williamsburg city's 2025 borrowers paid from Virginia's, every loan of a purpose together, in the records lenders report under the Home Mortgage Disclosure Act (HMDA): the same move for every product, credit score and down payment. FHA, VA and jumbo estimates are the same for every credit score; the jumbo's is for a $1,200,000 loan.
Estimate, not an offer · FFIEC, effective Oct 12, 2026 · Fannie Mae, dated Sep 30, 2026 · FFIEC, 2025 · U.S. Treasury, Oct 9, 2026
Sources and licences
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
Loan records reported under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau; information the CFPB creates is in the public domain.
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.
Williamsburg city borrowers in 2025
| Williamsburg city borrowers in 2025 | Williamsburg city | Virginia | Nation |
|---|---|---|---|
| 30-year fixed purchase rates, middle half | — | 7.14–7.61% | 7.14–7.65% |
| Closing costs, purchase | $5,551 | $5,494 | $5,439 |
| Closing costs, refinance | $3,559 | $4,570 | $4,429 |
| Loan amount, purchase | $365,000 | $375,000 | $325,000 |
| Loan amount, refinance | $375,000 | $405,000 | $375,000 |
Past loans, not offers · U.S. Census Bureau, 2025 · FFIEC, 2025
Sources and licences
Names of counties and metro areas from the U.S. Census Bureau's TIGERweb service; a U.S. government work in the public domain.
Loan records reported under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau; information the CFPB creates is in the public domain.
Williamsburg city loan limits, 2026
| Conforming loan limitthe standard limit | $832,750 |
|---|---|
| FHA loan limitabove the standard of $541,287 | $757,850 |
Published limits · HUD, 2026 · FHFA, 2026
Sources and licences
FHA forward mortgage limits by county from the U.S. Department of Housing and Urban Development; a U.S. government work in the public domain.
Conforming loan limits by county from the Federal Housing Finance Agency; a U.S. government work in the public domain.