Virginia Mortgage Guides 2025
FHA limits by county, Virginia Housing down payment assistance grants, USDA rural loans, VA resources for Naval Station Norfolk and JBLM-area veterans, and a complete closing cost breakdown — all in one place.
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.
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
2025 FHA limits for Northern Virginia ($1,209,750), Hampton Roads ($546,250), Richmond ($546,250), and all other Virginia jurisdictions.
Read guide →Virginia VA Loan Requirements
VA entitlement, 2025 funding fee chart, and resources for Naval Station Norfolk, Langley AFB, Quantico, Fort Gregg-Adams, and VA veterans statewide.
Read guide →Virginia USDA Loans
FY2025 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
2025 FHA Loan Limits
- Northern Virginia (Fairfax/Arlington/Loudoun/PW): $1,209,750
- Hampton Roads (VA Beach/Norfolk/Chesapeake): $546,250
- Richmond / Chesterfield / Henrico: $546,250
- All other VA counties/cities: $472,030
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
USDA Income Limits (FY2025)
- Most rural VA counties: $112,450 / $148,450
- Some suburban-fringe counties: $128,300 / $169,350
- Northern VA / Hampton Roads urban: not USDA eligible
- Southwest VA / Shenandoah Valley: widely eligible
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
