Virginia USDA Loans
My state-specific information
Eligibility Requirements – Virginia
Looking to buy a home in Virginia? A USDA loan might be just the thing for you. 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. To find out more, fill out the form above and one of our loan specialists will follow up with you.
This map shows the areas of Virginia eligible for USDA loans. For more information on qualifying areas, head to the USDA property eligibility screen.
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 |
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).
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
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.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Virginia.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Virginia USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Virginia
