USDA Direct Loans (also known as USDA Section 502 Direct Loans) are a mortgage program that assists low- and very-low income individuals buy decent, safe, and clean housing in rural areas. This is done through payment assistance which increases a borrower’s ability to repay. That payment assistance can be best described a subsidy which lowers the mortgage payment for short periods. The amount of assistance largely depends on the adjusted family income. USDA Direct Home Loans in Virginia don’t work in the same manner as USDA Guaranteed Loans in Virginia. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Virginia USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.

Virginia USDA Direct Loan Requirements

USDA Direct Loans are a mortgage program available for low-income individuals to buy homes in rural areas. USDA defines low- or very low income as anything between 50% and 80% of the Area Median (AMI). The statewide median income was recently reported as $74,222 in Virginia, but this number may differ from one county to the next. For home buyers that meet those requirements, USDA Loans are a zero-down mortgage, meaning there’s no down payment. To be eligible, applicants must also meet the following requirements:

  • You don’t presently have decent, clean, sanitary and safe housing.
  • You can’t get another mortgage from a different source with terms and conditions reasonably expected to be met.
  • The subject property must be your primary residence.
  • You must be legally eligible for a mortgage.
  • You must meet citizenship requirements or non-citizen requirements.
  • You must be eligible for participation in federal programs.

In addition, the subject property must meet the following requirements.

  • It must be moderately-sized for that area.
  • The home cause can’t exceed the area’s applicable loan limit.
  • The home can’t be designed for the production of income.

How much can I borrow with a USDA Direct Mortgage?

Up to the maximum loan limit, the amount of money that an applicant’s eligible for depends on their ability to pay it back. When evaluating home loan applicants for Direct home loans, Rural Development considers income, assets, debt, and payment assistance. And remember, you can’t borrow more than the local USDA loan limit for the county where the home is located, no matter what your repayment ability may be.

What areas in VA are eligible for USDA Direct Loans?

The subject property must be in an approved rural area. You can search specific addresses in Virginia for USDA eligibility here.

Are there other zero down mortgage options or low down payment mortgages in Virginia?

Yes, other low down payment mortgage options, and no down payment mortgage options are available in Virginia besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Virginia, FHA Loan in Virginia, or if you’re a veteran or qualified family member, VA Loans in Virginia. You may also want to research if any helpful Virginia down payment assistance programs may be available.

Search all USDA Guaranteed Loan Limits (Direct and Guaranteed Loans)
Learn about today’s USDA Loan Requirements

Direct Loans aren’t as popular as USDA Guaranteed Loans, which accommodate a wider range of borrower qualifications. The USDA sets specific maximum mortgage limits for Direct Loans in Virginia. Search home loan limits for your area below.

Virginia USDA Direct Loan Limits

Direct Loan Limit
Accomack $251,862
Albemarle $349,600
Alleghany $251,862
Amelia $428,720
Amherst $251,862
Appomattox $251,862
Augusta $251,900
Bath $251,862
Bedford $251,862
Bland $251,862
Botetourt $251,862
Brunswick $251,862
Buchanan $251,862
Buckingham $349,600
Campbell $251,862
Caroline $428,720
Carroll $251,862
Charles City $428,720
Charlotte $251,862
Chesterfield $428,720
City of Franklin-Southampton $251,862
Clarke $581,220
Craig $251,862
Culpeper $581,220
Cumberland $251,862
Dickenson $251,862
Dinwiddie $428,720
Essex $251,862
Fauquier $581,220
Floyd $251,862
Fluvanna $349,600
Franklin $251,862
Frederick $251,862
Giles $251,862
Gloucester $367,080
Goochland $428,720
Grayson $251,862
Greene $349,600
Greensville $251,862
Halifax $251,862
Hanover $428,720
Henrico $428,720
Henry $251,862
Highland $251,862
Isle of Wight $367,080
James City $367,080
King and Queen $251,862
King George $280,600
King William $428,720
Lancaster $354,200
Lee $251,862
Loudoun $581,220
Louisa $251,862
Lunenburg $251,862
Madison $251,862
Mathews $367,080
Mecklenburg $251,862
Middlesex $251,862
Montgomery $251,862
Nelson $349,600
New Kent $428,720
Northampton $251,862
Northumberland $254,840
Nottoway $251,862
Orange $251,862
Page $251,862
Patrick $251,862
Pittsylvania $251,862
Powhatan $428,720
Prince Edward $251,862
Prince George $428,720
Prince William $581,220
Pulaski $251,862
Rappahannock $581,220
Richmond $251,862
Roanoke $251,862
Rockbridge $251,862
Rockingham $251,900
Russell $251,862
Scott $251,862
Shenandoah $251,862
Smyth $251,862
Southampton $251,862
Spotsylvania $581,220
Stafford $581,220
Surry $251,862
Sussex $428,720
Tazewell $251,862
Warren $581,220
Washington $251,862
Westmoreland $251,862
Wise $251,862
Wythe $251,862
York $367,080

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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