Virginia USDA Loans
Looking to buy a home in Virginia? A USDA loan might be just the thing for you.
Standard Income Limit (1–4 Person Household)
Highest Listed 5+ Person Limit
Financing (No Down Payment)
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.
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) | $122,800 | $162,100 |
| Blacksburg–Christiansburg–Radford, VA HUD Metro FMR Area | $137,550 | $181,600 |
| Floyd County, VA HUD Metro FMR Area | $122,800 | $162,100 |
| Giles County, VA HUD Metro FMR Area | $122,800 | $162,100 |
| Pulaski County, VA HUD Metro FMR Area | $122,800 | $162,100 |
| King and Queen County, VA HUD Metro FMR Area | $122,800 | $162,100 |
| Richmond, VA HUD Metro FMR Area | $130,550 | $172,350 |
| Franklin County, VA HUD Metro FMR Area | $122,800 | $162,100 |
| Roanoke, VA HUD Metro FMR Area | $122,800 | $162,100 |
| Surry County, VA HUD Metro FMR Area | $122,800 | $162,100 |
| Virginia Beach–Norfolk–Newport News, VA–NC HUD Metro FMR Area | $123,850 | $163,500 |
| Culpeper County, VA HUD Metro FMR Area | $138,700 | $183,100 |
| Rappahannock County, VA HUD Metro FMR Area | $124,550 | $164,450 |
| Warren County, VA HUD Metro FMR Area | $122,800 | $162,100 |
| Washington–Arlington–Alexandria, DC–VA–MD HUD Metro FMR Area (Northern Virginia) | $153,550 | $202,700 |
| Alleghany County-Clifton Forge city-Covington city, VA HUD Nonmetro FMR Area | $122,800 | $162,100 |
| Carroll County-Galax city, VA HUD Nonmetro FMR Area | $122,800 | $162,100 |
| Greensville County-Emporia city, VA HUD Nonmetro FMR Area | $122,800 | $162,100 |
| Henry County-Martinsville city, VA HUD Nonmetro FMR Area | $122,800 | $162,100 |
| Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area | $122,800 | $162,100 |
| Rockbridge County-Buena Vista city-Lexington city, VA HUD Nonmetro FMR Area | $122,800 | $162,100 |
| Southampton County-Franklin city, VA HUD Nonmetro FMR Area | $122,800 | $162,100 |
| Wise County-Norton city, VA HUD Nonmetro FMR Area | $122,800 | $162,100 |
USDA Home Loan Features
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!
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
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.
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.
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
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.
