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 $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 Direct Loan Limits (Low Income)

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