Mortgage lender in Arlington County, VA

Buying in Arlington County

Arlington County, with its county seat in Arlington, takes in Ballston, Clarendon, Rosslyn, Crystal City and Shirlington. Arlington County files are handled personally by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Virginia, from our Southampton, PA office.

2026 conforming limit

$1,249,125 (high-cost area)

2026 FHA limit

$1,249,125 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

settlement agent

State housing agency

Virginia Housing (not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Arlington County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Arlington County sits inside the Washington, DC metropolitan high-cost area, so its conforming limit is the FHFA ceiling of $1,249,125 rather than the national baseline of $832,750. That matters: a loan that would be jumbo elsewhere in Virginia can still be a conforming loan here, with conforming pricing and guidelines.

Arlington: condominiums, the Pentagon and National Landing

Arlington is a county in name but a city in practice, the densest jurisdiction in Virginia and directly across the Potomac from Washington. Its market is dominated by condominiums, from the high-rises of Rosslyn, Ballston, Clarendon and Crystal City along the Orange and Blue lines to garden-style buildings in Shirlington and along Columbia Pike, with single-family neighborhoods in North Arlington and Lyon Park priced well into jumbo territory. The Pentagon, Joint Base Myer-Henderson Hall and the National Landing development around Amazon's headquarters shape who is buying here.

Because so much of Arlington's inventory is condominium, the building matters as much as the unit. Whether it is on FHA's approved project list, whether it is warrantable for conventional financing, its owner-occupancy ratio, budget, reserves and any pending litigation determine which loan programs are available, and we review the association documents before you write the offer. VA financing is a large share of our Arlington business, and VA has its own condominium approval list that we check.

Arlington is in the Washington high-cost area, so the FHFA ceiling applies to conforming loans. Steve Umansky, NMLS #61764, is our licensed Virginia originator and handles Arlington files personally from our Southampton, Pennsylvania office, by phone, secure portal and e-signature, with the closing at a Virginia settlement agent. Stellar is not currently a participating lender for Virginia Housing's bond and down payment assistance products; we offer conventional, FHA, VA and jumbo financing here and will point you to Virginia Housing when it is the better fit.

Arlington County by the numbers

Median home value

$895,000 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.91% of home value a year: median tax bill $8,153 on a median value of $895,000 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Recordation tax of 25 cents per $100 and a grantor tax of 50 cents per $500; localities may add their own (Va. Code § 58.1-801)

The county median home value is $895,000. The 2026 one-unit conforming loan limit here is $1,249,125 and the FHA limit is $1,249,125.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Virginia

Closings in Virginia are typically handled by a settlement agent. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Virginia page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Arlington County buyers ask

Conforming limit shown is the 2026 FHFA figure for Arlington County. FHA limits and state agency caps are set by HUD and Virginia Housing and change periodically. Verify on the official source. Not a commitment to lend.