USDA LOAN BENEFITS IN VIRGINA
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
VIRGINIA USDA ELIGIBILITY
USDA Loans service residents who live in rural, suburban, and outlaying communities. A ‘rural’ community is a community that usually has less than 35,000 people. Other guidelines for a USDA loan state that to qualify you need stay within the income limits that are based off your county of residence and the total number of people who reside in your household.
Income Limits for USDA Loans in Virginia
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Accomack | $78,200 | $103,200 |
| Albemarle | $94,600 | $124,850 |
| Alexandria | $108,550 | $143,300 |
| Alleghany | $78,200 | $103,200 |
| Amelia | $89,000 | $117,500 |
| Amherst | $78,200 | $103,200 |
| Appomattox | $78,200 | $103,200 |
| Arlington | $108,550 | $143,300 |
| Augusta | $78,200 | $103,200 |
| Bath | $78,200 | $103,200 |
| Bedford | $78,200 | $103,200 |
| Bedford | $78,200 | $103,200 |
| Bland | $78,200 | $103,200 |
| Botetourt | $78,200 | $103,200 |
| Bristol | $78,200 | $103,200 |
| Brunswick | $78,200 | $103,200 |
| Buchanan | $78,200 | $103,200 |
| Buckingham | $78,200 | $103,200 |
| Buena Vista | $78,200 | $103,200 |
| Campbell | $78,200 | $103,200 |
| Caroline | $89,000 | $117,500 |
| Carroll | $78,200 | $103,200 |
| Charles City | $89,000 | $117,500 |
| Charlotte | $78,200 | $103,200 |
| Charlottesville | $96,750 | $127,700 |
| Chesapeake | $84,300 | $111,300 |
| Chesterfield | $89,000 | $117,500 |
| Clarke | $108,550 | $143,300 |
| Colonial Heights | $89,000 | $117,500 |
| Covington | $78,200 | $103,200 |
| Craig | $78,200 | $103,200 |
| Culpeper | $94,300 | $124,500 |
| Cumberland | $86,950 | $114,750 |
| Danville | $78,200 | $103,200 |
| Dickenson | $78,200 | $103,200 |
| Dinwiddie | $89,000 | $117,500 |
| Emporia | $78,200 | $103,200 |
| Essex | $78,200 | $103,200 |
| Fairfax | $108,550 | $143,300 |
| Fairfax | $108,550 | $143,300 |
| Falls Church | $108,550 | $143,300 |
| Fauquier | $108,550 | $143,300 |
| Floyd | $78,200 | $103,200 |
| Fluvanna | $78,200 | $103,200 |
| Franklin | $78,200 | $103,200 |
| Franklin | $78,200 | $103,200 |
| Frederick | $84,900 | $112,050 |
| Fredericksburg | $108,550 | $143,300 |
| Galax | $78,200 | $103,200 |
| Giles | $75,650 | $103,200 |
| Gloucester | $84,300 | $111,300 |
| Goochland | $89,000 | $117,500 |
| Grayson | $78,200 | $103,200 |
| Greene | $94,600 | $124,850 |
| Greensville | $78,200 | $103,200 |
| Halifax | $78,200 | $103,200 |
| Hampton | $84,300 | $111,300 |
| Hanover | $89,000 | $117,500 |
| Harrisonburg | $78,200 | $103,200 |
| Henrico | $89,000 | $117,500 |
| Henry | $78,200 | $103,200 |
| Highland | $78,200 | $103,200 |
| Hopewell | $89,000 | $117,500 |
| Isle of Wight | $84,300 | $111,300 |
| James City | $84,300 | $111,300 |
| King and Queen | $86,950 | $129,050 |
| King George | $97,750 | $124,850 |
| King William | $89,000 | $117,500 |
| Lancaster | $78,200 | $103,200 |
| Lee | $78,200 | $103,200 |
| Lexington | $78,200 | $103,200 |
| Loudoun | $108,550 | $143,300 |
| Louisa | $79,800 | $105,350 |
| Lunenburg | $78,200 | $103,200 |
| Lynchburg | $78,200 | $103,200 |
| Madison | $79,800 | $105,350 |
| Manassas | $108,550 | $143,300 |
| Manassas Park | $108,550 | $143,300 |
| Martinsville | $78,200 | $103,200 |
| Mathews | $84,300 | $111,300 |
| Mecklenburg | $78,200 | $103,200 |
| Middlesex | $85,100 | $112,350 |
| Montgomery | $81,500 | $107,600 |
| Nelson | $78,200 | $103,200 |
| New Kent | $89,000 | $117,500 |
| Newport News | $84,300 | $111,300 |
| Norfolk | $84,300 | $111,300 |
| Northampton | $78,200 | $103,200 |
| Northumberland | $77,200 | $101,900 |
| Norton | $82,350 | $108,700 |
| Nottoway | $78,200 | $103,200 |
| Orange | $84,400 | $111,400 |
| Page | $78,200 | $103,200 |
| Patrick | $78,200 | $103,200 |
| Petersburg | $89,000 | $117,500 |
| Pittsylvania | $78,200 | $103,200 |
| Poquoson | $84,300 | $111,300 |
| Portsmouth | $84,300 | $111,300 |
| Powhatan | $89,000 | $117,500 |
| Prince Edward | $78,200 | $103,200 |
| Prince George | $89,000 | $117,500 |
| Prince William | $108,550 | $143,300 |
| Pulaski | $78,200 | $103,200 |
| Radford | $81,500 | $107,600 |
| Rappahannock | $94,150 | $124,300 |
| Richmond | $89,000 | $117,500 |
| Richmond | $80,850 | $106,700 |
| Roanoke | $78,200 | $103,200 |
| Roanoke | $78,200 | $103,200 |
| Rockbridge | $78,200 | $103,200 |
| Rockingham | $78,200 | $103,200 |
| Russell | $78,200 | $103,200 |
| Salem | $78,200 | $103,200 |
| Scott | $78,200 | $103,200 |
| Shenandoah | $78,200 | $103,200 |
| Smyth | $78,200 | $103,200 |
| Southampton | $78,200 | $103,200 |
| Spotsylvania | $108,550 | $143,300 |
| Stafford | $108,550 | $143,300 |
| Staunton | $78,200 | $103,200 |
| Suffolk | $84,300 | $111,300 |
| Surry | $84,300 | $111,300 |
| Sussex | $89,000 | $117,500 |
| Tazewell | $78,200 | $103,200 |
| Virginia Beach | $84,300 | $111,300 |
| Warren | $88,400 | $116,700 |
| Washington | $78,200 | $103,200 |
| Waynesboro | $78,200 | $103,200 |
| Westmoreland | $78,200 | $103,200 |
| Williamsburg | $84,300 | $111,300 |
| Winchester | $84,900 | $112,050 |
| Wise | $78,200 | $103,200 |
| Wythe | $78,200 | $103,200 |
| York | $84,300 | $111,300 |
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