Virginia VA Home Loan Resources & Information

Officially known as the Commonwealth of Virginia, Virginia is defined by notable geographic features including the Blue Ridge Mountains and the Chesapeake Bay.

Virginia has a key role in American history, serving as one of the 13 original colonies. Fairfax County is the most populous area of Virginia, and is known as being the home of Tysons Corner, a hub of business and shopping.

The economy of Virginia is diverse, and includes the military, the local and federal government and a number of businesses.

The state is known as having the highest level of defense spending of any state, per capita.

With its involvement in the defense industry, Virginia has 27 military bases, including:

  • The Pentagon – Arlington
  • Joint Base Langley-Eustis – Hampton, Newport News
  • Langley Air Force Base – Hampton
  • Fort A.P. Hill – Bowling Green
  • Fort Belvoir – Alexandria
  • Fort Eustis – Newport News
  • Fort Lee – Petersburg
  • Fort Story – Virginia Beach
  • Joint Base Fort Myer- Henderson Hall – Arlington
  • Joint Base Langley-Eustis – Hampton, Newport News
  • Coast Guard Atlantic Area – Portsmouth
  • Coast Guard Integrated Support Center Portsmouth
  • Coast Guard Navigation Center – Alexandria
  • Coast Guard Reserve Training Center Yorktown – Williamsburg
  • Quantico Marine Base – Fredericksburg
  • Fort Pickett Army National Guard Maneuver Training Center – Burkeville
  • Dahlgren Naval Surface Warfare Center
  • Little Creek Naval Amphibious Base – Virginia Beach
  • Norfolk Naval Shipyard – Portsmouth
  • Norfolk Naval Station
  • Oceana Naval Air Station – Virginia Beach
  • Portsmouth Naval Medical Center
  • Yorktown Naval Weapons Station – Williamsburg

The veteran population of Virginia is estimated to be just over 837,000.

For veterans and servicemembers planning to purchase a home in Virginia using their VA home loan benefit, a Net Tangible Benefit Worksheet and termite inspection are required.

Virginia Short Sale Assistance:

virginia va home loanIf you’re a resident of Virginia, and you need short sale assistance, contact 888-573-4496, or complete the form below. Short sale assistance allows veterans and active-duty military members to enjoy no out-of-pocket cost, no impact to security clearance and minimal impact to credit score. Additionally, when using short sale assistance, it’s possible to use the VA home loan benefit again, with no waiting period.

If you are a homeowner of real estate in Virginia and owe more than your home is worth and are needing to short sale your home, call 888-573-4496 (option 2) for assistance. VA Home Loan Centers provides free counseling and no-cost representation to homeowners in trouble.

Apply For A Virginia VA Home Loan:

To find out the exact dollar amount you qualify for, call the VA Home Loan Centers Applications Support Desk at 1-888-573-4496 (option 1) or fill out the VA Home Loan Application located here.

Virginia $0 Down VA Home Loan Limits (by County):

The loan limits below are the maximum 2017, $0 down VA loan amount set for each county. Although there is no maximum loan amount, the maximum no money down VA home loan limits are stated as follows.

  1. Accomack County $424,100
  2. Albemarle County $437,000
  3. Alexandria Independent City $636,150
  4. Alleghany County $424,100
  5. Amelia County $535,900
  6. Amherst County $424,100
  7. Appomattox County $424,100
  8. Arlington County $636,150
  9. Augusta County $424,100
  10. Bath County $424,100
  11. Bedford County $424,100
  12. Bedford Independent City $424,100
  13. Bland County $424,100
  14. Botetourt County $424,100
  15. Bristol Independent City $424,100
  16. Brunswick County $424,100
  17. Buchanan County $424,100
  18. Buckingham County $437,000
  19. Buena VistaIndependent City $424,100
  20. Campbell County $424,100
  21. Caroline County $535,900
  22. Carroll County $424,100
  23. Charles City County $535,900
  24. Charlotte County $424,100
  25. Charlottesville Independent City $437,000
  26. Chesapeake Independent City $458,850
  27. Chesterfield County $535,900
  28. Clarke County $625,500
  29. Colonial Heights Independent City $535,900
  30. Covington Independent City $424,100
  31. Craig County $424,100
  32. Culpeper County $636,150
  33. Cumberland County $535,900
  34. Danville Independent City $424,100
  35. Dickenson County $424,100
  36. Dinwiddie County $535,900
  37. Emporia Independent City $424,100
  38. Essex County $424,100
  39. Fairfax County $636,150
  40. Fairfax Independent City $692,500
  41. Falls Church Independent City $636,150
  42. Fauquier County $636,150
  43. Floyd County $424,100
  44. Fluvanna County $437,000
  45. Franklin County $424,100
  46. Franklin Independent City $424,100
  47. Frederick County $424,100
  48. Fredericksburg Independent City $636,150
  49. Galax Independent City $424,100
  50. Giles County $424,100
  51. Gloucester County $458,850
  52. Goochland County $535,900
  53. Grayson County $424,100
  54. Greene County $437,000
  55. Greensville County $424,100
  56. Halifax County $424,100
  57. Hampton Independent City $458,850
  58. Hanover County $535,900
  59. Harrisonburg Independent City $424,100
  60. Henrico County $535,900
  61. Henry County $424,100
  62. Highland County $424,100
  63. Hopewell Independent City $535,900
  64. Isle of Wight County $458,850
  65. James City County $458,850
  66. King and Queen County $535,900
  67. King George County $424,100
  68. King William County $535,900
  69. Lancaster County $442,750
  70. Lee County $424,100
  71. Lexington Independent City $424,100
  72. Loudoun County $636,150
  73. Louisa County $535,900
  74. Lunenburg County $424,100
  75. Lynchburg Independent City $424,100
  76. Madison County $424,100
  77. Manassas Independent City $636,150
  78. Manassas Park Independent City $636,150
  79. Martinsville Independent City $424,100
  80. Mathews County $458,850
  81. Mecklenburg County $424,100
  82. Middlesex County $424,100
  83. Montgomery County $424,100
  84. Nelson County $437,000
  85. New Kent County $535,900
  86. Newport News Independent City $458,850
  87. Norfolk Independent City  $458,850
  88. Northampton County $424,100
  89. Northumberland County $424,100
  90. Norton Independent City $424,100
  91. Nottoway County $424,100
  92. Orange County $424,100
  93. Page County $424,100
  94. Patrick County $424,100
  95. Petersburg Independent City $535,900
  96. Pittsylvania County $424,100
  97. Poquoson Independent City $458,850
  98. Portsmouth Independent City $458,850
  99. Powhatan County $535,900
  100. Prince Edward County $424,100
  101. Prince George County $535,900
  102. Prince William County $636,150
  103. Pulaski County $424,100
  104. Radford Independent City $424,100
  105. Rappahannock County $636,150
  106. Richmond County $424,100
  107. Richmond Independent City $535,900
  108. Roanoke County $424,100
  109. Roanoke Independent City $424,100
  110. Rockbridge County $424,100
  111. Rockingham County $424,100
  112. Russell County $424,100
  113. Salem Independent City $424,100
  114. Scott County $424,100
  115. Shenandoah County $424,100
  116. Smyth County $424,100
  117. Southampton County $424,100
  118. Spotsylvania County $636,150
  119. Stafford County $636,150
  120. Staunton Independent City $424,100
  121. Suffolk Independent City $458,850
  122. Surry County $458,850
  123. Sussex County $535,900
  124. Tazewell County $424,100
  125. Virginia Beach Independent City $458,850
  126. Warren County $636,150
  127. Washington County $424,100
  128. Waynesboro Independent City $424,100
  129. Westmoreland County $424,100
  130. Williamsburg Independent City $458,850
  131. Winchester Independent City $424,100
  132. Wise County $424,100
  133. Wythe County $424,100
  134. York County $458,850

Maximum Virginia VA Appraisal Fees:

  1. Single Family Residence – $450
  2. Multifamily 2-4 unit residence – $600
  3. Condominium Residence – $450
  4. Manufactured Home Residence – $450

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