The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Virginia aren’t the same thing as USDA Section 502 Guaranteed Loans in Virginia. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Virginia?

USDA Loan RequirementsUSDA Direct Loans in Virginia are low income loans that can be used to purchase homes in rural areas. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of VA is $74,222, although that figure may vary from county to county. The maximum yearly income limits for Virginia USDA Direct Loan approval are listed below. Other than meeting Virginia USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

  • You have no decent clean, safe, and sanitary housing presently.
  • You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
  • You must use this property for your primary residence.
  • You must possess the legal capacity to be able to contract a loan
  • You must meet citizenship or eligible noncitizen requirements.
  • You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

  • Be a modestly sized home for that area.
  • Market value can’t be in excess of the areas applicable loan limit.
  • Can’t be designed for the production of income.

What areas in VA are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in VA here.

How much can I borrow with a USDA Direct Home Loan?

The size of the mortgage that an applicant’s eligible for depends on their ability to repay. Rural Development takes into account income, assets, debt, and payment assistance when weighing eligibility for USDA Direct home loans. No matter what the repayment ability is, you can’t borrow more than the local loan limit for the county where the home is located.

Are there other mortgage options with low down payment or no down payment in Virginia?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Virginia besides USDA Direct Loans. You can begin by researching Virginia USDA Guaranteed Loans, Virginia FHA Loans, and Virginia VA Loans if you’re a veteran in VA or qualified family member. You may also want to look into helpful programs for down payment assistance in Virginia.

Virginia USDA Direct Loan Maximum Income Limits

1 Person
2 Person
3 Person
4 Person
5 Person
Accomack County, VA $45,900$45,900 $45,900$45,900 $60,600
Alleghany County-Clifton Forge city-Covington city, VA HUD N $47,700$47,700 $47,700$47,700 $62,950
Bath County, VA $50,150$50,150 $50,150$50,150 $66,200
Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area $61,350$61,350 $61,350$61,350 $81,000
Bland County, VA $51,450$51,450 $51,450$51,450 $67,900
Brunswick County, VA $45,900$45,900 $45,900$45,900 $60,600
Buchanan County, VA $45,900$45,900 $45,900$45,900 $60,600
Buckingham County, VA HUD Metro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Carroll County-Galax city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Charlotte County, VA $45,900$45,900 $45,900$45,900 $60,600
Charlottesville, VA HUD Metro FMR Area $71,500$71,500 $71,500$71,500 $94,400
Culpeper County, VA HUD Metro FMR Area $65,750$65,750 $65,750$65,750 $86,800
Cumberland County, VA $60,500$60,500 $60,500$60,500 $79,850
Dickenson County, VA $45,900$45,900 $45,900$45,900 $60,600
Essex County, VA $47,700$47,700 $47,700$47,700 $62,950
Floyd County, VA HUD Metro FMR Area $48,500$48,500 $48,500$48,500 $64,000
Franklin County, VA HUD Metro FMR Area $51,050$51,050 $51,050$51,050 $67,400
Giles County, VA HUD Metro FMR Area $46,950$46,950 $46,950$46,950 $61,950
Grayson County, VA $45,900$45,900 $45,900$45,900 $60,600
Greensville County-Emporia city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Halifax County, VA $45,900$45,900 $45,900$45,900 $60,600
Harrisonburg, VA MSA $54,950$54,950 $54,950$54,950 $72,550
Henry County-Martinsville city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Highland County, VA $49,050$49,050 $49,050$49,050 $64,750
King and Queen County, VA $60,500$60,500 $60,500$60,500 $79,850
King George County, VA $75,500$75,500 $75,500$75,500 $99,650
Kingsport-Bristol-Bristol, TN-VA MSA $44,100$44,100 $44,100$44,100 $58,200
Lancaster County, VA $55,900$55,900 $55,900$55,900 $73,800
Lee County, VA $45,900$45,900 $45,900$45,900 $60,600
Louisa County, VA $57,450$57,450 $57,450$57,450 $75,850
Lunenburg County, VA $45,900$45,900 $45,900$45,900 $60,600
Lynchburg, VA MSA $55,100$55,100 $55,100$55,100 $72,750
Madison County, VA $55,500$55,500 $55,500$55,500 $73,250
Mecklenburg County, VA $45,900$45,900 $45,900$45,900 $60,600
Middlesex County, VA $59,200$59,200 $59,200$59,200 $78,150
Northampton County, VA $45,900$45,900 $45,900$45,900 $60,600
Northumberland County, VA $54,550$54,550 $54,550$54,550 $72,000
Nottoway County, VA $46,800$46,800 $46,800$46,800 $61,800
Orange County, VA $64,150$64,150 $64,150$64,150 $84,700
Page County, VA $45,900$45,900 $45,900$45,900 $60,600
Patrick County, VA $45,900$45,900 $45,900$45,900 $60,600
Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Prince Edward County, VA $47,200$47,200 $47,200$47,200 $62,300
Pulaski County, VA HUD Metro FMR Area $48,400$48,400 $48,400$48,400 $63,900
Rappahannock County, VA HUD Metro FMR Area $65,500$65,500 $65,500$65,500 $86,450
Richmond County, VA $56,250$56,250 $56,250$56,250 $74,250
Richmond, VA MSA $69,100$69,100 $69,100$69,100 $91,200
Roanoke, VA HUD Metro FMR Area $58,500$58,500 $58,500$58,500 $77,200
Rockbridge County-Buena Vista city-Lexington city, VA HUD No $47,850$47,850 $47,850$47,850 $63,150
Russell County, VA $45,900$45,900 $45,900$45,900 $60,600
Shenandoah County, VA $52,150$52,150 $52,150$52,150 $68,850
Smyth County, VA $45,900$45,900 $45,900$45,900 $60,600
Southampton County-Franklin city, VA HUD Nonmetro FMR Area $50,400$50,400 $50,400$50,400 $66,550
Staunton-Waynesboro, VA MSA $55,350$55,350 $55,350$55,350 $73,050
Surry County, VA $58,650$58,650 $58,650$58,650 $77,400
Tazewell County, VA $45,900$45,900 $45,900$45,900 $60,600
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are $63,450$63,450 $63,450$63,450 $83,750
Warren County, VA HUD Metro FMR Area $61,500$61,500 $61,500$61,500 $81,200
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area $77,600$77,600 $77,600$77,600 $102,450
Westmoreland County, VA $54,300$54,300 $54,300$54,300 $71,700
Winchester, VA-WV MSA $59,050$59,050 $59,050$59,050 $77,950
Wise County-Norton city, VA HUD Nonmetro FMR Area $45,900$45,900 $45,900$45,900 $60,600
Wythe County, VA $45,900$45,900 $45,900$45,900 $60,600

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

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