USDA Loans in Virginia

As an approved USDA home loan lender, Consumer Real Estate 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 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

County Name    

1-4 Person Households
(Guaranteed Loans)

5-8 Person Households 
(Guaranteed Loans)

NON-METRO

ACCOMACK

$74,750

$98,650

CHARLOTTESVILLE, VA (MSA)

ALBEMARLE

$89,500

$118,150

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

ALEXANDRIA

$101,000

$133,300

NON-METRO

ALLEGHANY

$74,750

$98,650

RICHMOND, VA (MSA)

AMELIA

$74,900

$98,850

LYNCHBURG, VA (MSA)

AMHERST

$74,750

$98,650

LYNCHBURG, VA (MSA)

APPOMATTOX

$74,750

$98,650

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

ARLINGTON

$101,000

$133,300

STAUNTON-WAYNESBORO, VA (MICRO)

AUGUSTA

$74,750

$98,650

NON-METRO

BATH

$74,750

$98,650

LYNCHBURG, VA (MSA)

BEDFORD

$74,750

$98,650

LYNCHBURG, VA (MSA)

BEDFORD IND

$74,750

$98,650

NON-METRO

BLAND

$74,750

$98,650

ROANOKE, VA (MSA)

BOTETOURT

$74,750

$98,650

KINGSPORT-BRISTOL-BRISTOL, TN-VA (MSA)

BRISTOL

$74,750

$98,650

NON-METRO

BRUNSWICK

$74,750

$98,650

NON-METRO

BUCHANAN

$74,750

$98,650

NON-METRO

BUCKINGHAM

$74,750

$98,650

NON-METRO

BUENA VISTA

$74,750

$98,650

LYNCHBURG, VA (MSA)

CAMPBELL

$74,750

$98,650

RICHMOND, VA (MSA)

CAROLINE

$86,950

$114,750

NON-METRO

CARROLL

$74,750

$98,650

RICHMOND, VA (MSA)

CHARLES CITY

$74,900

$98,850

NON-METRO

CHARLOTTE

$74,750

$98,650

CHARLOTTESVILLE, VA (MSA)

CHARLOTTESVILLE

$89,500

$118,150

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

CHESAPEAKE

$81,500

$115,550

RICHMOND, VA (MSA)

CHESTERFIELD

$86,950

$114,750

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

CLARKE

$101,000

$133,300

NON-METRO

CLIFTON FORGE

$74,750

$98,650

RICHMOND, VA (MSA)

COLONIAL HEIGHT

$86,950

$114,750

NON-METRO

COVINGTON

$74,750

$98,650

ROANOKE, VA (MSA)

CRAIG

$74,750

$98,650

CULPEPER, VA (MICRO)

CULPEPER

$90,300

$119,200

RICHMOND, VA (MSA)

CUMBERLAND

$86,950

$114,750

DANVILLE, VA (MSA)

DANVILLE

$74,750

$98,650

NON-METRO

DICKENSON

$74,750

$98,650

RICHMOND, VA (MSA)

DINWIDDIE

$86,950

$114,750

NON-METRO

EMPORIA

$74,750

$98,650

NON-METRO

ESSEX

$74,750

$98,650

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

FAIRFAX

$101,000

$133,300

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

FAIRFAX IND

$101,000

$133,300

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

FALLS CHURCH

$101,000

$133,300

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

FAUQUIER

$101,000

$133,300

NON-METRO

FLOYD

$74,750

$98,650

CHARLOTTESVILLE, VA (MSA)

FLUVANNA

$89,500

$118,150

ROANOKE, VA (MSA)

FRANKLIN

$74,750

$98,650

NON-METRO

FRANKLIN IND

$74,750

$98,650

WINCHESTER, VA-WV (MSA)

FREDERICK

$75,100

$99,150

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

FREDERICKSBURG

$101,000

$133,300

NON-METRO

GALAX

$74,750

$98,650

BLACKSBURG-CHRISTIANSBURG-RADFORD, VA (MSA)

GILES

$78,650

$103,800

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

GLOUCESTER

$81,500

$107,600

RICHMOND, VA (MSA)

GOOCHLAND

$86,950

$114,750

NON-METRO

GRAYSON

$74,750

$98,650

CHARLOTTESVILLE, VA (MSA)

GREENE

$89,500

$118,150

NON-METRO

GREENSVILLE

$74,750

$98,650

NON-METRO

HALIFAX

$74,750

$98,650

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

HAMPTON

$81,500

$107,600

RICHMOND, VA (MSA)

HANOVER

$86,950

$114,750

HARRISONBURG, VA (MSA)

HARRISONBURG

$74,750

$98,650

RICHMOND, VA (MSA)

HENRICO

$86,950

$114,750

MARTINSVILLE, VA (MICRO)

HENRY

$74,750

$98,650

NON-METRO

HIGHLAND

$74,750

$98,650

RICHMOND, VA (MSA)

HOPEWELL

$86,950

$114,750

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

ISLE OF WIGHT

$81,500

$107,600

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

JAMES CITY

$81,500

$107,600

RICHMOND, VA (MSA)

KING AND QUEEN

$86,950

$114,750

NON-METRO

KING GEORGE

$93,450

$123,350

RICHMOND, VA (MSA)

KING WILLIAM

$86,950

$114,750

NON-METRO

LANCASTER

$74,750

$98,650

NON-METRO

LEE

$74,750

$98,650

NON-METRO

LEXINGTON

$74,750

$98,650

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

LOUDOUN

$101,000

$133,300

RICHMOND, VA (MSA)

LOUISA

$86,950

$114,750

NON-METRO

LUNENBURG

$74,750

$98,650

LYNCHBURG, VA (MSA)

LYNCHBURG

$74,750

$98,650

NON-METRO

MADISON

$75,900

$100,200

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

MANASSAS

$101,000

$133,300

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

MANASSAS PARK

$101,000

$133,300

MARTINSVILLE, VA (MICRO)

MARTINSVILLE

$74,750

$98,650

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

MATHEWS

$81,500

$107,600

NON-METRO

MECKLENBURG

$74,750

$98,650

NON-METRO

MIDDLESEX

$74,750

$98,650

BLACKSBURG-CHRISTIANSBURG-RADFORD, VA (MSA)

MONTGOMERY

$78,650

$103,800

CHARLOTTESVILLE, VA (MSA)

NELSON

$89,500

$118,150

RICHMOND, VA (MSA)

NEW KENT

$86,950

$114,750

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

NEWPORT NEWS

$81,500

$107,600

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

NORFOLK

$81,500

$107,600

NON-METRO

NORTHAMPTON

$74,750

$98,650

NON-METRO

NORTHUMBERLAND

$77,200

$101,900

NON-METRO

NORTON

$74,750

$98,650

NON-METRO

NOTTOWAY

$74,750

$98,650

NON-METRO

ORANGE

$76,500

$101,000

NON-METRO

PAGE

$74,750

$98,650

NON-METRO

PATRICK

$74,750

$98,650

RICHMOND, VA (MSA)

PETERSBURG

$86,950

$114,750

DANVILLE, VA (MSA)

PITTSYLVANIA

$74,750

$98,650

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

POQUOSON

$81,500

$107,600

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

PORTSMOUTH

$81,500

$107,600

RICHMOND, VA (MSA)

POWHATAN

$86,950

$114,750

NON-METRO

PRINCE EDWARD

$74,750

$98,650

RICHMOND, VA (MSA)

PRINCE GEORGE

$86,950

$114,750

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

PRINCE WILLIAM

$101,000

$133,300

BLACKSBURG-CHRISTIANSBURG-RADFORD, VA (MSA)

PULASKI

$78,650

$103,800

BLACKSBURG-CHRISTIANSBURG-RADFORD, VA (MSA)

RADFORD

$78,650

$103,800

NON-METRO

RAPPAHANNOCK

$85,450

$112,800

NON-METRO

RICHMOND

$74,750

$98,650

RICHMOND, VA (MSA)

RICHMOND IND

$86,950

$114,750

ROANOKE, VA (MSA)

ROANOKE

$74,750

$98,650

ROANOKE, VA (MSA)

ROANOKE IND

$74,750

$98,650

NON-METRO

ROCKBRIDGE

$74,750

$98,650

HARRISONBURG, VA (MSA)

ROCKINGHAM

$74,750

$98,650

NON-METRO

RUSSELL

$74,750

$98,650

ROANOKE, VA (MSA)

SALEM

$74,750

$98,650

KINGSPORT-BRISTOL-BRISTOL, TN-VA (MSA)

SCOTT

$74,750

$98,650

NON-METRO

SHENANDOAH

$74,750

$98,650

NON-METRO

SMYTH

$74,750

$98,650

NON-METRO

SOUTHAMPTON

$74,750

$98,650

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

SPOTSYLVANIA

$101,000

$133,300

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

STAFFORD

$101,000

$133,300

STAUNTON-WAYNESBORO, VA (MICRO)

STAUNTON

$74,750

$98,650

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

SUFFOLK

$81,500

$107,600

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

SURRY

$81,500

$107,600

RICHMOND, VA (MSA)

SUSSEX

$86,950

$114,750

BLUEFIELD, WV-VA (MICRO)

TAZEWELL

$74,750

$98,650

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

VIRGINIA BEACH

$81,500

$107,600

WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO

WARREN

$101,000

$133,300

KINGSPORT-BRISTOL-BRISTOL, TN-VA (MSA)

WASHINGTON

$74,750

$98,650

STAUNTON-WAYNESBORO, VA (MICRO)

WAYNESBORO

$74,750

$98,650

NON-METRO

WESTMORELAND

$74,750

$98,650

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

WILLIAMSBURG

$81,500

$107,600

WINCHESTER, VA-WV (MSA)

WINCHESTER

$75,100

$99,150

NON-METRO

WISE

$74,750

$98,650

NON-METRO

WYTHE

$74,750

$98,650

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

YORK

$81,500

$107,600

Remember, Consumer Real Estate is here to answer all your questions.  For help applying for a Virginia USDA Loan, contact us today.