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 $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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