Virginia VA Loan Requirements

Virginia Mortgage Guides

Virginia VA Loan Requirements 2025

How to use your VA loan benefit in Virginia — eligibility, entitlement, funding fees near Naval Station Norfolk, Langley AFB, Quantico, and beyond.

📖 11 min readUpdated 2025Virginia

In This Guide

VA loans in Virginia
VA loan eligibility requirements
Virginia VA loan limits
VA funding fee in Virginia
Key benefits of VA loans in Virginia
Virginia VA loan FAQs

VA Loans in Virginia

Virginia is arguably the most VA-loan-intensive state in the nation. Naval Station Norfolk — the world’s largest naval station — anchors Hampton Roads. Langley AFB, Joint Base Myer-Henderson Hall, Marine Corps Base Quantico, Fort Gregg-Adams, and numerous other installations create a veteran and active-duty population second to none. VA loans are truly woven into the fabric of Virginia’s housing market.

VA Loan Eligibility Requirements

90 consecutive days of active duty during wartime
181 days of active duty during peacetime
6 years in the National Guard or Reserves
Surviving spouse of a service member who died in service or from a service-connected disability

Virginia VA Loan Limits for 2025

Veterans with full VA entitlement have no loan limit in Virginia — meaning no down payment is required regardless of purchase price. This is enormously valuable in Northern Virginia’s high-cost market, where buyers routinely purchase homes at $800,000–$1.2 million without any down payment using their VA benefit. Veterans with reduced entitlement have limits tied to the conforming loan limit: $1,209,750 for Northern Virginia, $806,500 for most other Virginia counties.

VA Funding Fee in Virginia

Usage	Down Payment	Funding Fee
First Use	Less than 5%	2.15%
First Use	5% to 9.99%	1.50%
First Use	10% or more	1.25%
Subsequent Use	Less than 5%	3.30%
Subsequent Use	5% to 9.99%	1.50%
Subsequent Use	10% or more	1.25%

Veterans with a 10%+ service-connected disability rating are exempt. Surviving spouses receiving DIC are also exempt.

Key Benefits of VA Loans in Virginia

No down payment for full entitlement veterans — including on NoVA’s million-dollar homes
No PMI — saving $400–$900/month on high-balance Virginia loans
Competitive rates — consistently lower than conventional equivalents
Seller can pay all closing costs

Virginia VA Loan FAQs

What are the eligibility requirements for a VA loan?

Eligibility requires 90 consecutive days of active duty during wartime, 181 days of active duty during peacetime, 6 years in the National Guard or Reserves, or being the surviving spouse of a service member who died in service or from a service-connected disability.

Is there a loan limit for VA loans in Virginia?

Veterans with full VA entitlement have no loan limit in Virginia and no down payment requirement regardless of purchase price. Veterans with reduced entitlement have limits tied to the conforming loan limit: $1,209,750 for Northern Virginia, $806,500 for most other Virginia counties.

What is the VA funding fee in Virginia?

For first use with less than 5% down the fee is 2.15%, 1.50% for 5-9.99% down, and 1.25% for 10%+ down. For subsequent use it’s 3.30% with less than 5% down, 1.50% for 5-9.99% down, and 1.25% for 10%+ down. Veterans with a 10%+ service-connected disability rating and surviving spouses receiving DIC are exempt.

What are the main benefits of a VA loan in Virginia?

Key benefits include no down payment for full-entitlement veterans (including on Northern Virginia’s million-dollar homes), no PMI (saving $400-$900/month on high-balance Virginia loans), competitive rates consistently lower than conventional equivalents, and the ability for the seller to pay all closing costs.