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 USDA 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

Quick Scroll
STATE:VIRGINIA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area
VERY LOW INCOME 24850 28400 31950 35450 38300 41150 44000 46800
Apply Now LOW INCOME 39700 45350 51050 56700 61250 65750 70300 74850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Floyd County, VA HUD Metro FMR Area
VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
Apply Now LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Giles County, VA HUD Metro FMR Area
VERY LOW INCOME 20200 23050 25950 28800 31150 33450 35750 38050
Apply Now LOW INCOME 32250 36900 41500 46100 49800 53500 57150 60850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pulaski County, VA HUD Metro FMR Area
VERY LOW INCOME 21100 24100 27100 30100 32550 34950 37350 39750
Apply Now LOW INCOME 33700 38500 43350 48150 52000 55850 59700 63550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Buckingham County, VA HUD Metro FMR Area
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Charlottesville, VA HUD Metro FMR Area
VERY LOW INCOME 29900 34150 38400 42650 46100 49500 52900 56300
Apply Now LOW INCOME 47800 54600 61450 68250 73700 79150 84650 90100
MOD.INC-GUAR.LOAN 98100 98100 98100 98100 129500 129500 129500 129500
Harrisonburg, VA MSA
VERY LOW INCOME 22000 25150 28300 31400 33950 36450 38950 41450
Apply Now LOW INCOME 35200 40200 45250 50250 54250 58300 62300 66350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kingsport-Bristol-Bristol, TN-VA MSA
VERY LOW INCOME 19200 21950 24700 27400 29600 31800 34000 36200
Apply Now LOW INCOME 30700 35100 39450 43850 47350 50850 54350 57900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lynchburg, VA MSA
VERY LOW INCOME 22300 25450 28650 31800 34350 36900 39450 42000
Apply Now LOW INCOME 35650 40700 45800 50900 54950 59050 63100 67200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Richmond, VA MSA
VERY LOW INCOME 29150 33300 37450 41600 44950 48300 51600 54950
Apply Now LOW INCOME 46600 53250 59900 66550 71850 77200 82500 87850
MOD.INC-GUAR.LOAN 95650 95650 95650 95650 126250 126250 126250 126250
Franklin County, VA HUD Metro FMR Area
VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
Apply Now LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Roanoke, VA HUD Metro FMR Area
VERY LOW INCOME 23550 26900 30250 33600 36300 39000 41700 44400
Apply Now LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Staunton-Waynesboro, VA MSA
VERY LOW INCOME 22550 25800 29000 32200 34800 37400 39950 42550
Apply Now LOW INCOME 36050 41200 46350 51500 55600 59750 63850 68000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are
VERY LOW INCOME 26250 30000 33750 37500 40500 43500 46500 49500
Apply Now LOW INCOME 42000 48000 54000 60000 64800 69600 74400 79200
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Culpeper County, VA HUD Metro FMR Area
VERY LOW INCOME 28800 32900 37000 41100 44400 47700 51000 54300
Apply Now LOW INCOME 46050 52600 59200 65750 71000 76250 81550 86800
MOD.INC-GUAR.LOAN 94500 94500 94500 94500 124750 124750 124750 124750
Rappahannock County, VA HUD Metro FMR Area
VERY LOW INCOME 28700 32800 36900 40950 44250 47550 50800 54100
Apply Now LOW INCOME 45850 52400 58950 65500 70750 76000 81200 86450
MOD.INC-GUAR.LOAN 94150 94150 94150 94150 124300 124300 124300 124300
Warren County, VA HUD Metro FMR Area
VERY LOW INCOME 26950 30800 34650 38450 41550 44650 47700 50800
Apply Now LOW INCOME 43050 49200 55350 61500 66400 71350 76250 81200
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area
VERY LOW INCOME 41050 46900 52750 58600 63300 68000 72700 77400
Apply Now LOW INCOME 54200 61950 69700 77450 83650 89850 96050 102250
MOD.INC-GUAR.LOAN 111350 111350 111350 111350 147000 147000 147000 147000
Winchester, VA-WV MSA
VERY LOW INCOME 25850 29550 33250 36900 39900 42850 45800 48750
Apply Now LOW INCOME 41350 47250 53150 59050 63750 68500 73200 77950
MOD.INC-GUAR.LOAN 84900 84900 84900 84900 112050 112050 112050 112050
Accomack County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Alleghany County-Clifton Forge city-Covington city, VA HUD N
VERY LOW INCOME 20250 23150 26050 28900 31250 33550 35850 38150
Apply Now LOW INCOME 32400 37000 41650 46250 49950 53650 57350 61050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bath County, VA
VERY LOW INCOME 21150 24150 27150 30150 32600 35000 37400 39800
Apply Now LOW INCOME 33800 38600 43450 48250 52100 55950 59850 63700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bland County, VA
VERY LOW INCOME 21900 25000 28150 31250 33750 36250 38750 41250
Apply Now LOW INCOME 35000 40000 45000 50000 54000 58000 62000 66000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Brunswick County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Buchanan County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Carroll County-Galax city, VA HUD Nonmetro FMR Area
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Charlotte County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cumberland County, VA
VERY LOW INCOME 26500 30250 34050 37800 40850 43850 46900 49900
Apply Now LOW INCOME 42350 48400 54450 60500 65350 70200 75000 79850
MOD.INC-GUAR.LOAN 86950 86950 86950 86950 114750 114750 114750 114750
Dickenson County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Essex County, VA
VERY LOW INCOME 20900 23850 26850 29800 32200 34600 37000 39350
Apply Now LOW INCOME 33400 38150 42950 47700 51500 55350 59150 62950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grayson County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Greensville County-Emporia city, VA HUD Nonmetro FMR Area
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Halifax County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Henry County-Martinsville city, VA HUD Nonmetro FMR Area
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Highland County, VA
VERY LOW INCOME 20650 23600 26550 29450 31850 34200 36550 38900
Apply Now LOW INCOME 32950 37700 42400 47100 50850 54650 58400 62150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
King George County, VA
VERY LOW INCOME 34500 39400 44350 49250 53200 57150 61100 65050
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
King and Queen County, VA
VERY LOW INCOME 26500 30250 34050 37800 40850 43850 46900 49900
Apply Now LOW INCOME 42350 48400 54450 60500 65350 70200 75000 79850
MOD.INC-GUAR.LOAN 86950 86950 86950 86950 114750 114750 114750 114750
Lancaster County, VA
VERY LOW INCOME 23800 27200 30600 33950 36700 39400 42100 44850
Apply Now LOW INCOME 38000 43450 48850 54300 58650 63000 67350 71700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lee County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Louisa County, VA
VERY LOW INCOME 25000 28550 32100 35650 38550 41400 44250 47100
Apply Now LOW INCOME 39950 45650 51350 57050 61600 66200 70750 75300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lunenburg County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Madison County, VA
VERY LOW INCOME 24300 27800 31250 34700 37500 40300 43050 45850
Apply Now LOW INCOME 38850 44400 49950 55500 59950 64400 68800 73250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mecklenburg County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Middlesex County, VA
VERY LOW INCOME 25900 29600 33300 37000 40000 42950 45900 48850
Apply Now LOW INCOME 41450 47350 53300 59200 63950 68650 73400 78150
MOD.INC-GUAR.LOAN 85100 85100 85100 85100 112350 112350 112350 112350
Northampton County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Northumberland County, VA
VERY LOW INCOME 23500 26850 30200 33550 36250 38950 41650 44300
Apply Now LOW INCOME 37600 42950 48350 53700 58000 62300 66600 70900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Nottoway County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Orange County, VA
VERY LOW INCOME 26600 30400 34200 38000 41050 44100 47150 50200
Apply Now LOW INCOME 42550 48650 54700 60800 65650 70550 75400 80250
MOD.INC-GUAR.LOAN 87400 87400 87400 87400 115350 115350 115350 115350
Page County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Patrick County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Prince Edward County, VA
VERY LOW INCOME 19700 22500 25300 28100 30350 32600 34850 37100
Apply Now LOW INCOME 31450 35950 40450 44950 48550 52150 55750 59350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Richmond County, VA
VERY LOW INCOME 24650 28150 31650 35150 38000 40800 43600 46400
Apply Now LOW INCOME 39400 45000 50650 56250 60750 65250 69750 74250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Rockbridge County-Buena Vista city-Lexington city, VA HUD No
VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
Apply Now LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Russell County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Shenandoah County, VA
VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
Apply Now LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Smyth County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Southampton County-Franklin city, VA HUD Nonmetro FMR Area
VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
Apply Now LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Surry County, VA
VERY LOW INCOME 25700 29350 33000 36650 39600 42550 45450 48400
Apply Now LOW INCOME 41050 46900 52800 58650 63350 68050 72750 77400
MOD.INC-GUAR.LOAN 84300 84300 84300 84300 111300 111300 111300 111300
Tazewell County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Westmoreland County, VA
VERY LOW INCOME 22200 25400 28550 31700 34250 36800 39350 41850
Apply Now LOW INCOME 35500 40550 45650 50700 54750 58800 62850 66900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wise County-Norton city, VA HUD Nonmetro FMR Area
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wythe County, VA
VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
Apply Now LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Remember, Consumer Real Estate Finance Co. is here to answer all your questions.  For help applying for a Virginia USDA Loan, contact us today.