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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 va home loan

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

As of 2020, counties come with $0 down and a $3 million VA loan limit. 

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

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