USDA Loans in Virginia

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 $75,650 $99,850
Albemarle $94,600 $124,850
Alexandria $101,000 $133,300
Alleghany $75,650 $99,850
Amelia $86,950 $114,750
Amherst $75,650 $99,850
Appomattox $75,650 $99,850
Arlington $101,000 $133,300
Augusta $75,650 $99,850
Bath $75,650 $99,850
Bedford $75,650 $99,850
Bedford $75,650 $99,850
Bland $75,650 $99,850
Botetourt $75,650 $99,850
Bristol $75,650 $99,850
Brunswick $75,650 $99,850
Buchanan $75,650 $99,850
Buckingham $75,650 $99,850
Buena Vista $82,350 $108,700
Campbell $75,650 $99,850
Caroline $86,950 $114,750
Carroll $75,650 $99,850
Charles City $86,950 $114,750
Charlotte $75,650 $99,850
Charlottesville $94,600 $124,850
Chesapeake $84,300 $111,300
Chesterfield $86,950 $114,750
Clarke $101,000 $133,300
Colonial Heights $86,950 $114,750
Covington $75,650 $99,850
Craig $75,650 $99,850
Culpeper $94,300 $124,500
Cumberland $86,950 $114,750
Danville $75,650 $99,850
Dickenson $75,650 $99,850
Dinwiddie $86,950 $114,750
Emporia $75,650 $99,850
Essex $75,650 $99,850
Fairfax $101,000 $133,300
Fairfax $101,000 $133,300
Falls Church $101,000 $133,300
Fauquier $101,000 $133,300
Floyd $75,650 $99,850
Fluvanna $94,600 $124,850
Franklin $75,650 $99,850
Franklin $75,650 $99,850
Frederick $82,350 $108,700
Fredericksburg $101,000 $133,300
Galax $75,650 $99,850
Giles $75,650 $99,850
Gloucester $84,300 $111,300
Goochland $86,950 $114,750
Grayson $75,650 $99,850
Greene $94,600 $124,850
Greensville $75,650 $99,850
Halifax $75,650 $99,850
Hampton $84,300 $111,300
Hanover $86,950 $114,750
Harrisonburg $75,650 $99,850
Henrico $86,950 $114,750
Henry $75,650 $99,850
Highland $75,650 $99,850
Hopewell $86,950 $114,750
Isle of Wight $84,300 $111,300
James City $84,300 $111,300
King and Queen $86,950 $114,750
King George $94,600 $124,850
King William $86,950 $114,750
Lancaster $75,650 $99,850
Lee $75,650 $99,850
Lexington $75,650 $99,850
Loudoun $101,000 $133,300
Louisa $79,800 $105,350
Lunenburg $75,650 $99,850
Lynchburg $75,650 $99,850
Madison $79,800 $105,350
Manassas $101,000 $133,300
Manassas Park $101,000 $133,300
Martinsville $75,650 $99,850
Mathews $84,300 $111,300
Mecklenburg $75,650 $99,850
Middlesex $85,100 $112,350
Montgomery $81,500 $107,600
Nelson $94,600 $124,850
New Kent $86,950 $114,750
Newport News $84,300 $111,300
Norfolk $84,300 $111,300
Northampton $75,650 $99,850
Northumberland $77,200 $101,900
Norton $82,350 $108,700
Nottoway $75,650 $99,850
Orange $81,850 $108,050
Page $75,650 $99,850
Patrick $75,650 $99,850
Petersburg $86,950 $114,750
Pittsylvania $75,650 $99,850
Poquoson $84,300 $111,300
Portsmouth $84,300 $111,300
Powhatan $86,950 $114,750
Prince Edward $75,650 $99,850
Prince George $86,950 $114,750
Prince William $101,000 $133,300
Pulaski $75,650 $99,850
Radford $81,500 $107,600
Rappahannock $94,150 $124,300
Richmond $86,950 $114,750
Richmond $78,900 $104,150
Roanoke $75,650 $99,850
Roanoke $75,650 $99,850
Rockbridge $75,650 $99,850
Rockingham $75,650 $99,850
Russell $75,650 $99,850
Salem $75,650 $99,850
Scott $75,650 $99,850
Shenandoah $75,650 $99,850
Smyth $75,650 $99,850
Southampton $75,650 $99,850
Spotsylvania $101,000 $133,300
Stafford $101,000 $133,300
Staunton $75,650 $99,850
Suffolk $84,300 $111,300
Surry $84,300 $111,300
Sussex $86,950 $114,750
Tazewell $75,650 $99,850
Virginia Beach $84,300 $111,300
Warren $88,400 $116,700
Washington $75,650 $99,850
Waynesboro $75,650 $99,850
Westmoreland $75,650 $99,850
Williamsburg $84,300 $111,300
Winchester $82,350 $108,700
Wise $75,650 $99,850
Wythe $75,650 $99,850
York $84,300 $111,300

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