As an approved USDA home loan lender, Consumer Real Estate Finance Co. is here to help you achieve your dreams of home ownership. Backed by the U.S government, these no money down, fixed interest rate loans offer 100% financing on qualifying Virginia homes.

Other advantages of these USDA Loans include:

  • No Maximum Loan Amount on Virginia Property
  • Flexible Credit Guidelines for Qualifying Virginia Residents
  • Low Fixed Interest Rates
  • Both New and Existing Properties May Qualify

Virginia Areas that Qualify for a USDA Loan

Even though USDA Loans were created to help develop smaller rural areas, there are a surprisingly large number of areas located all over the state of Virginia that qualify. A few USDA Loan Eligibility requirements include areas that are outside of the city limits and have less than 20,000 residents.
Because many of the qualifying Virginia homes are located just outside of major metropolitan areas, you should never assume that your property will not qualify. The experts here at Consumer Real Estate Finance Co. can help you determine property eligibility. Fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Virginia’s USDA Loan Income Limits by County

If the Virginia property is located within a qualifying area, there are only a few other eligibility requirements you must meet. While one is a credit evaluation, you should note that these USDA Loan Credit History guidelines are flexible – meaning that you must demonstrate the ability and willingness to meet obligations as they become due.The other is a maximum income limit. Your income cannot exceed the limit set for your county:Virginia USDA Loan Adjusted Maximum Income Limits by County
Updated 10/24/2012

STATE:VIRGINIA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Giles County VA HUD Metro FMR Area VERY LOW INCOME 20200 23050 25950 28800 31150 33450 35750 38050
LOW INCOME 32250 36900 41500 46100 49800 53500 57150 60850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pulaski County VA HUD VERY LOW INCOME 20250 23150 26050 28900 31250 33550 35850 38150
LOW INCOME 32400 37000 41650 46250 49950 53650 57350 61050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Charlottesville VA MSA VERY LOW INCOME 28500 32550 36600 40650 43950 47200 50450 53700
LOW INCOME 44750 51100 57500 63900 69000 74100 79250 84350
MOD.INC-GUAR.LOAN 91850 91850 91850 91850 121250 121250 121250 121250
Danville VA MSA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harrisonburg VA MSA VERY LOW INCOME 21250 24300 27350 30350 32800 35250 37650 40100
LOW INCOME 34000 38850 43700 48550 52450 56300 60200 64100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kingsport-Bristol-Bristol TN-VA MSA VERY LOW INCOME 17750 20250 22800 25300 27350 29350 31400 33400
LOW INCOME 28350 32400 36450 40500 43750 47000 50200 53450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lynchburg VA MSA VERY LOW INCOME 21200 24200 27250 30250 32700 35100 37550 39950
LOW INCOME 33900 38700 43550 48400 52250 56150 60000 63900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Richmond VA HUD Metro FMR Area VERY LOW INCOME 26500 30250 34050 37800 40850 43850 46900 49900
LOW INCOME 42350 48400 54450 60500 65350 70200 75000 79850
MOD.INC-GUAR.LOAN 86950 86950 86950 86950 114750 114750 114750 114750
Franklin County VA HUD Metro FMR Area VERY LOW INCOME 20650 23600 26550 29450 31850 34200 36550 38900
LOW INCOME 32950 37700 42400 47100 50850 54650 58400 62150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
rginia Beach-Norfolk-Newport News VA-NC MSA VERY LOW INCOME 25700 29350 33000 36650 39600 42550 45450 48400
LOW INCOME 41050 46900 52800 58650 63350 68050 72750 77400
MOD.INC-GUAR.LOAN 84300 84300 84300 84300 111300 111300 111300 111300
Accomack County VA VERY LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
LOW INCOME 49200 56200 63250 70250 75850 81500 87100 92750
MOD.INC-GUAR.LOAN 101000 101000 101000 101000 133300 133300 133300 133300
Alleghany County-Clifton Forge city-Covington city VA HUD N VERY LOW INCOME 19200 21950 24700 27400 29600 31800 34000 36200
LOW INCOME 30700 35100 39450 43850 47350 50850 54350 57900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Augusta County-Staunton city-Waynesboro city VA HUD Nonmetr VERY LOW INCOME 21950 25100 28250 31350 33900 36400 38900 41400
LOW INCOME 35100 40100 45150 50150 54150 58150 62200 66200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bath County VA VERY LOW INCOME 19750 22600 25400 28200 30500 32750 35000 37250
LOW INCOME 31550 36100 40600 45100 48700 52300 55900 59550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bland County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Brunswick County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Buchanan County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Buckingham County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carroll County-Galax city VA HUD Nonmetro VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Charlotte County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Culpeper County VA VERY LOW INCOME 28700 32800 36900 41000 44300 47600 50850 54150
LOW INCOME 44900 51300 57750 64150 69300 74400 79550 84700
MOD.INC-GUAR.LOAN 92200 92200 92200 92200 121700 121700 121700 121700
Dickenson County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Essex County VA VERY LOW INCOME 20900 23850 26850 29800 32200 34600 37000 39350
LOW INCOME 33400 38150 42950 47700 51500 55350 59150 62950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Floyd County VA VERY LOW INCOME 18900 21600 24300 26950 29150 31300 33450 35600
LOW INCOME 30150 34500 38800 43100 46550 50000 53450 56900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grayson County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greensville County-Emporia city VA HUD Nonmetro FMR Area VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Halifax County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 35200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Henry County-Martinsville city VA HUD Nonmetro VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Highland County VA VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
King George County VA VERY LOW INCOME 32550 37200 41850 46500 50250 53950 57700 61400
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Lancaster County VA VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lee County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lunenburg County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Madison County VA VERY LOW INCOME 24300 27800 31250 34700 37500 40300 43050 45850
LOW INCOME 38850 44400 49950 55500 59950 64400 68800 73250
MOD.INC-GUAR.LOAN 79800 79800 79800 79800 105350 105350 105350 105350
Mecklenburg County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Middlesex County VA VERY LOW INCOME 24500 28000 31500 34950 37750 40550 43350 46150
LOW INCOME 39150 44700 50300 55900 60350 64850 69300 73800
MOD.INC-GUAR.LOAN 80350 80350 80350 80350 106050 106050 106050 106050
Northampton County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Northumberland CountyVA VERY LOW INCOME 23500 26850 30200 33550 36250 38950 41650 44300
LOW INCOME 37600 42950 48350 53700 58000 62300 66600 70900
MOD.INC-GUAR.LOAN 77200 77200 77200 77200 101900 101900 101900 101900
Nottoway County VA VERY LOW INCOME 19000 21700 24400 27100 29300 31450 33650 35800
LOW INCOME 30350 34700 39000 43350 46800 50300 53750 57200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Orange County VA VERY LOW INCOME 23800 27200 30600 33950 36700 39400 42100 44850
LOW INCOME 38000 43450 48850 54300 58650 63000 67350 71700
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Page County VA VERY LOW INCOME 19300 22050 24800 27550 29800 32000 34200 36400
LOW INCOME 30850 35300 39700 44100 47650 51150 54700 58200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Patrick County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Prince Edward CountyVA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rappahannock County VA VERY LOW INCOME 28700 32800 36900 40950 44250 47550 50800 54100
LOW INCOME 44750 51100 57500 63900 69000 74100 79250 84350
MOD.INC-GUAR.LOAN 91850 91850 91850 91850 121250 121250 121250 121250
Richmond County VA VERY LOW INCOME 22700 25950 29200 32400 35000 37600 40200 42800
LOW INCOME 36300 41500 46650 51850 56000 60150 64300 68450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rockbridge County-Buena VERY LOW INCOME 20250 23150 26050 28900 31250 33550 35850 38150
LOW INCOME 32400 37000 41650 46250 49950 53650 57350 61050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Russell County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Shenandoah County VA VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 74950 74950 74950 74950 98950 98950 98950 98950
Smyth County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Southampton County-Franklin city VA HUD VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tazewell County VA VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Westmoreland County VA VERY LOW INCOME 22200 25400 28550 31700 34250 36800 39350 41850
LOW INCOME 35500 40550 45650 50700 54750 58800 62850 66900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wise County-Norton cityVA HUD Nonmetro FMR VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wythe County VA VERY LOW INCOME 19250 22000 24750 27500 29700 31900 34100 36300
LOW INCOME 30800 35200 39600 44000 47500 51050 54550 58100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Remember, Consumer Real Estate Finance Co. is here to answer all your questions.  For help applying for a Virginia USDA Loan, contact us today.