USDA Approved • Virginia Home Loans

Virginia USDA Loans

Looking to buy a home in Virginia? A USDA loan might be just the thing for you.

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No obligation • Fast eligibility review • Virginia USDA specialists
Virginia USDA Snapshot
$119,850

Standard Income Limit (1–4 Person Household)

$202,700

Highest Listed 5+ Person Limit

100%

Financing (No Down Payment)

Most areas of Virginia follow the standard USDA income limit. Select metro areas and Northern Virginia have higher limits.
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NO down payment – Finance 100% of your home
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NO maximum loan amount in Virginia
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NO assets needed to qualify
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Flexible credit guidelines
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Competitive, fixed interest rates so payments do not increase
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USDA Loans are for new and existing properties

Eligibility Requirements – Virginia

USDA loans require no down payment, no qualifying assets, and there's no maximum loan amount. Plus, fixed interest rates mean that payments won't increase over time. The average household income limit for a family of 1-4 in Virginia is about $119,850 a year, and can be as high as $202,700 for families of 5 or more.

USDA Eligibility Map – Virginia

Virginia USDA loan eligibility map Check a property address

Virginia USDA Income Limits (Moderate Income – Guaranteed Loan)

Most areas of Virginia follow the standard USDA income limit. Select metro areas and Northern Virginia have higher limits.

Area 1–4 Person 5+ Person
Standard Virginia Limit (Most Counties & MSAs)$119,850$158,250
Blacksburg–Christiansburg–Radford, VA HUD Metro FMR Area$126,050$166,400
Caroline County, VA$124,400$164,250
Rappahannock County, VA HUD Metro FMR Area$124,550$164,450
Winchester, VA–WV MSA$130,100$171,750
Richmond, VA HUD Metro FMR Area$130,550$172,350
Culpeper County, VA HUD Metro FMR Area$132,400$174,800
Orange County, VA$134,000$176,850
Charlottesville, VA MSA$144,700$191,050
King George County, VA$149,800$197,750
Washington–Arlington–Alexandria, DC–VA–MD HUD Metro FMR Area (Northern Virginia)$153,550$202,700
Virginia Beach–Norfolk–Newport News, VA–NC HUD Metro FMR Area$122,500$161,700
Important: USDA income limits in Virginia are based on total household income and household size. This includes income from all adult household members, not just the borrower. If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).

USDA Home Loan Features

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No money down

For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home's value. That means no down payment of any kind!

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Great interest rates

USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.

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Need a 620 credit score

USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.

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Affordable 30 year terms

USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.

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Roll in your closing costs

A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.

Check Your Virginia USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Virginia. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate and next steps
Get Pre-Qualified request a quick eligibility review
Virginia USDA Income Limit Notice

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

Ready to See If You Qualify for a Virginia USDA Loan?

Start your Virginia USDA home loan review today. A USDA loan specialist will contact you with your options.