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$75,650$99,850
Alleghany County-Clifton Forge city-Covington city, VA HUD N$75,650$99,850
Bath County, VA$75,650$99,850
Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area$81,500$107,600
Bland County, VA$75,650$99,850
Brunswick County, VA$75,650$99,850
Buchanan County, VA$75,650$99,850
Buckingham County, VA HUD Metro FMR Area$75,650$99,850
Carroll County-Galax city, VA HUD Nonmetro FMR Area$75,650$99,850
Charlotte County, VA$75,650$99,850
Charlottesville, VA HUD Metro FMR Area$94,600$124,850
Culpeper County, VA HUD Metro FMR Area$94,300$124,500
Cumberland County, VA$86,950$114,750
Dickenson County, VA$75,650$99,850
Essex County, VA$75,650$99,850
Floyd County, VA HUD Metro FMR Area$75,650$99,850
Franklin County, VA HUD Metro FMR Area$75,650$99,850
Giles County, VA HUD Metro FMR Area$75,650$99,850
Grayson County, VA$75,650$99,850
Greensville County-Emporia city, VA HUD Nonmetro FMR Area$75,650$99,850
Halifax County, VA$75,650$99,850
Harrisonburg, VA MSA$75,650$99,850
Henry County-Martinsville city, VA HUD Nonmetro FMR Area$75,650$99,850
Highland County, VA$75,650$99,850
King and Queen County, VA$86,950$114,750
King George County, VA$94,600$124,850
Kingsport-Bristol-Bristol, TN-VA MSA$75,650$99,850
Lancaster County, VA$78,050$103,050
Lee County, VA$75,650$99,850
Louisa County, VA$79,800$105,350
Lunenburg County, VA$75,650$99,850
Lynchburg, VA MSA$75,650$99,850
Madison County, VA$79,800$105,350
Mecklenburg County, VA$75,650$99,850
Middlesex County, VA$85,100$112,350
Northampton County, VA$75,650$99,850
Northumberland County, VA$77,200$101,900
Nottoway County, VA$75,650$99,850
Orange County, VA$81,850$108,050
Page County, VA$75,650$99,850
Patrick County, VA$75,650$99,850
Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area$75,650$99,850
Prince Edward County, VA$75,650$99,850
Pulaski County, VA HUD Metro FMR Area$75,650$99,850
Rappahannock County, VA HUD Metro FMR Area$94,150$124,300
Richmond County, VA$80,850$106,700
Richmond, VA MSA$86,950$114,750
Roanoke, VA HUD Metro FMR Area$75,650$99,850
Rockbridge County-Buena Vista city-Lexington city, VA HUD No$75,650$99,850
Russell County, VA$75,650$99,850
Shenandoah County, VA$75,650$99,850
Smyth County, VA$75,650$99,850
Southampton County-Franklin city, VA HUD Nonmetro FMR Area$75,650$99,850
Staunton-Waynesboro, VA MSA$75,650$99,850
Surry County, VA$84,300$111,300
Tazewell County, VA$75,650$99,850
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are$84,300$111,300
Warren County, VA HUD Metro FMR Area$88,400$116,700
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area$101,000$133,300
Westmoreland County, VA$75,650$99,850
Winchester, VA-WV MSA$84,900$112,050
Wise County-Norton city, VA HUD Nonmetro FMR Area$75,650$99,850
Wythe County, VA$75,650$99,850
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