Virginia USDA Direct Loans are a 100% home financing program available for low income applicants to purchase homes in rural areas. Unlike Guaranteed USDA Loans, Direct Loan applicants must have low or very low income to qualify in VA.

View All USDA Direct Loan Limits (low income only)
View USDA Direct Loan Income Limits
 
(low income only)
View All USDA Loan Limits (low or moderate income)
View All USDA Loan Income Limits 
(low or moderate income)
USDA Loan Programs
USDA Loan Requirements

Direct Loans are not as popular as USDA Guaranteed Loans, which accommodate a broader range of borrower qualifications. USDA Rural Development sets specific maximum loan limits for Direct Loans in Virginia. Search for maximum loan limits for your area below.

Virginia USDA Direct Loan Limits

Area
Direct Loan Limit
Accomack $157,500
Albemarle $254,000
Alleghany $199,000
Amelia $199,500
Amherst $164,800
Appomattox $164,800
Augusta $210,000
Bath $200,000
Bedford $200,000
Bland $159,900
Botetourt $200,000
Brunswick $154,500
Buchanan $156,800
Buckingham $153,700
Campbell $164,800
Caroline $200,000
Carroll $162,500
Charles City $199,000
Charlotte $192,600
Chesapeake County $200,000
Chesterfield $251,900
City of Franklin-Southampton $187,000
Clarke $240,000
Craig $200,100
Culpeper $250,000
Cumberland $157,700
Dickenson $156,800
Dinwiddie $181,500
Essex $193,100
Fauquier $285,000
Floyd $200,100
Fluvanna $215,000
Franklin $179,800
Frederick $235,000
Giles $200,100
Gloucester $251,900
Goochland $251,900
Grayson $159,900
Greene $251,900
Greensville $154,500
Halifax $159,800
Hanover $251,900
Henrico $251,900
Henry $174,800
Highland $211,500
Isle of Wight $251,900
James City $217,000
King and Queen $251,900
King George $235,000
King William $220,000
Lancaster $192,500
Lee $151,800
Loudoun $300,000
Louisa $210,000
Lunenburg $143,800
Madison $202,500
Mathews $203,300
Mecklenburg $165,000
Middlesex $208,000
Montgomery $200,100
Nelson $240,200
New Kent $230,000
Northampton $166,000
Northumberland $191,500
Nottoway $169,500
Orange $200,100
Page $185,000
Patrick $180,100
Pittsylvania $165,600
Powhatan $200,000
Prince Edward $200,700
Prince George $251,900
Prince William $265,000
Pulaski $200,100
Rappahannock $257,900
Richmond $200,000
Roanoke $200,100
Rockbridge $200,000
Rockingham $210,000
Russell $156,800
Scott $151,800
Shenandoah $240,020
Smyth $155,600
Southampton $187,000
Spotsylvania $251,900
Stafford $265,000
Suffolk County $200,000
Surry $202,800
Sussex $160,000
Tazewell $156,800
Warren $222,500
Washington $156,800
Westmoreland $193,000
Wise $156,800
Wythe $184,200
York $251,900

More USDA Direct Loan Limits (Low Income)

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