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.

Search USDA Guaranteed Loan Limits
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
Get Your Rate Quote
Refinance     Purchase

As seen in: