Virginia Mortgage Guides 2026
FHA limits by county, Virginia Housing down payment assistance grants, USDA rural loans, VA resources for Naval Station Norfolk, Langley AFB, and Quantico-area veterans, and a complete closing cost breakdown — all in one place. Virginia’s housing market spans some of the widest ranges in the country, from Northern Virginia’s high-cost Washington, D.C. suburbs to the Hampton Roads naval corridor and Southwest Virginia’s more affordable rural communities, so the right loan program often depends heavily on where in the state you’re buying.
Everything You Need for a Virginia Home Purchase
Six in-depth guides covering every aspect of getting a mortgage in Virginia — from loan program selection to what you’ll pay at closing. Whether you’re purchasing near Naval Station Norfolk in Hampton Roads, in the Richmond metro, or in Northern Virginia’s competitive market near Washington, D.C., these guides break down the programs, requirements, and costs specific to your part of Virginia.
Virginia Mortgage Guide
Mortgage options, rates, lender requirements, and strategies across Virginia — from Northern VA’s DC suburbs to Hampton Roads and beyond.
Read guide →Virginia First-Time Home Buyer Guide
Virginia Housing DPA Grant, Plus Second Mortgage, and MCC tax credit — programs for Virginia first-time buyers.
Read guide →Virginia FHA Loan Requirements
2026 FHA limits for Northern Virginia ($1,249,125), Hampton Roads ($757,850), Richmond ($707,250), and all other Virginia jurisdictions.
Read guide →Virginia VA Loan Requirements
VA entitlement, 2026 funding fee chart, and resources for Naval Station Norfolk, Langley AFB, Quantico, Fort Gregg-Adams, and VA veterans statewide.
Read guide →Virginia USDA Loans
FY2026 USDA income limits, eligible areas in Southwest Virginia, Shenandoah Valley, Northern Neck, Eastern Shore, and rural Southside Virginia.
Read guide →Virginia Closing Costs Guide
Grantor’s tax, deed of trust recordation tax, title insurance, settlement fees, and strategies to reduce your costs at closing in Virginia.
Read guide →Virginia Mortgage Snapshot
2026 FHA Loan Limits
- Northern Virginia (Fairfax/Arlington/Loudoun/PW): $1,249,125
- Hampton Roads (VA Beach/Norfolk/Chesapeake): $757,850
- Richmond / Chesterfield / Henrico: $707,250
- All other VA counties/cities: $541,287
Down Payment Assistance
- Virginia Housing Grant: 2–2.5% grant (no repayment)
- Virginia Housing Plus Second: up to 3.5% deferred loan
- MCC: up to $2,000/year federal tax credit
- Min credit score: 620 for Virginia Housing programs
Property Taxes
- Property taxes assessed at the city or county level
- Independent cities in Virginia set their own separate rates
- Fairfax County effective rate: approximately 1.02%
- Rural Appalachian counties may be significantly lower
Closing Cost Estimates
- Typical buyer costs: 2%–4% of purchase price
- Deed of trust recordation tax: $0.25 per $100 of loan (buyer)
- Grantor’s tax: $0.50–$0.65 per $500 of price (seller)
- Title + settlement: ~$1,500–$2,700 combined
Buying or Refinancing in Virginia?
Virginia has unique advantages — one of the nation’s premier VA loan markets, strong Virginia Housing programs, and diverse markets from Northern Virginia’s high-cost suburbs to Southwest Virginia’s affordable communities. A licensed Virginia mortgage advisor can help you navigate all of it.
- ✓ Compare Virginia Housing Grant vs. FHA for your situation
- ✓ Understand deed of trust recordation taxes and grantor’s tax
- ✓ Check VA vs. Virginia Housing options for military and veterans
- ✓ Estimate total cash needed including escrow reserves
Coming soon · No obligation · Educational first
Virginia Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Virginia is on our expansion list. In the meantime, our Virginia guides and the official program links above have everything you need to research your purchase.
Join the Virginia Waitlist