USDA Guaranteed Loans are the most popular rural development mortgage program in Virginia. Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.
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Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed Loans are variable, with Virginia USDA income limits playing a major role. Guaranteed Loan income limits across VA are listed below.
Virginia USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Accomack County, VA | $86,850 | $114,650 |
| Alleghany County-Clifton Forge city-Covington city, VA HUD N | $86,850 | $114,650 |
| Bath County, VA | $86,850 | $114,650 |
| Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area | $88,200 | $116,400 |
| Bland County, VA | $86,850 | $114,650 |
| Brunswick County, VA | $86,850 | $114,650 |
| Buchanan County, VA | $86,850 | $114,650 |
| Buckingham County, VA HUD Metro FMR Area | $86,850 | $114,650 |
| Carroll County-Galax city, VA HUD Nonmetro FMR Area | $86,850 | $114,650 |
| Charlotte County, VA | $86,850 | $114,650 |
| Charlottesville, VA HUD Metro FMR Area | $102,800 | $135,700 |
| Culpeper County, VA HUD Metro FMR Area | $94,500 | $124,750 |
| Cumberland County, VA | $86,950 | $114,750 |
| Dickenson County, VA | $86,850 | $114,650 |
| Essex County, VA | $86,850 | $114,650 |
| Floyd County, VA HUD Metro FMR Area | $86,850 | $114,650 |
| Franklin County, VA HUD Metro FMR Area | $86,850 | $114,650 |
| Giles County, VA HUD Metro FMR Area | $86,850 | $114,650 |
| Grayson County, VA | $86,850 | $114,650 |
| Greensville County-Emporia city, VA HUD Nonmetro FMR Area | $86,850 | $114,650 |
| Halifax County, VA | $86,850 | $114,650 |
| Harrisonburg, VA MSA | $86,850 | $114,650 |
| Henry County-Martinsville city, VA HUD Nonmetro FMR Area | $86,850 | $114,650 |
| Highland County, VA | $86,850 | $114,650 |
| King and Queen County, VA | $86,950 | $114,750 |
| King George County, VA | $108,550 | $143,300 |
| Kingsport-Bristol-Bristol, TN-VA MSA | $86,850 | $114,650 |
| Lancaster County, VA | $86,850 | $114,650 |
| Lee County, VA | $86,850 | $114,650 |
| Louisa County, VA | $86,850 | $114,650 |
| Lunenburg County, VA | $86,850 | $114,650 |
| Lynchburg, VA MSA | $86,850 | $114,650 |
| Madison County, VA | $86,850 | $114,650 |
| Mecklenburg County, VA | $86,850 | $114,650 |
| Middlesex County, VA | $86,850 | $114,650 |
| Northampton County, VA | $86,850 | $114,650 |
| Northumberland County, VA | $86,850 | $114,650 |
| Nottoway County, VA | $86,850 | $114,650 |
| Orange County, VA | $92,200 | $121,700 |
| Page County, VA | $86,850 | $114,650 |
| Patrick County, VA | $86,850 | $114,650 |
| Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area | $86,850 | $114,650 |
| Prince Edward County, VA | $86,850 | $114,650 |
| Pulaski County, VA HUD Metro FMR Area | $86,850 | $114,650 |
| Rappahannock County, VA HUD Metro FMR Area | $94,150 | $124,300 |
| Richmond County, VA | $86,850 | $114,650 |
| Richmond, VA MSA | $99,350 | $131,150 |
| Roanoke, VA HUD Metro FMR Area | $86,850 | $114,650 |
| Rockbridge County-Buena Vista city-Lexington city, VA HUD No | $86,850 | $114,650 |
| Russell County, VA | $86,850 | $114,650 |
| Shenandoah County, VA | $86,850 | $114,650 |
| Smyth County, VA | $86,850 | $114,650 |
| Southampton County-Franklin city, VA HUD Nonmetro FMR Area | $86,850 | $114,650 |
| Staunton-Waynesboro, VA MSA | $86,850 | $114,650 |
| Surry County, VA | $86,850 | $114,650 |
| Tazewell County, VA | $86,850 | $114,650 |
| Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are | $91,200 | $120,400 |
| Warren County, VA HUD Metro FMR Area | $88,400 | $116,700 |
| Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area | $111,550 | $147,250 |
| Westmoreland County, VA | $86,850 | $114,650 |
| Winchester, VA-WV MSA | $86,850 | $114,650 |
| Wise County-Norton city, VA HUD Nonmetro FMR Area | $86,850 | $114,650 |
| Wythe County, VA | $86,850 | $114,650 |
