Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Virginia. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Virginia USDA Loan Limits – Guaranteed Loans

Area
1-4 Person Households
5-8 Person Households
Accomack County, VA$272,000$340,000
Alleghany County-Clifton Forge city-Covington city, VA HUD N$272,000$340,000
Bath County, VA$272,000$340,000
Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area$289,000$374,000
Bland County, VA$272,000$340,000
Brunswick County, VA$272,000$340,000
Buchanan County, VA$272,000$340,000
Buckingham County, VA HUD Metro FMR Area$272,000$340,000
Carroll County-Galax city, VA HUD Nonmetro FMR Area$272,000$340,000
Charlotte County, VA$272,000$340,000
Charlottesville, VA HUD Metro FMR Area$323,000$417,000
Culpeper County, VA HUD Metro FMR Area$323,000$417,000
Cumberland County, VA$306,000$391,000
Dickenson County, VA$272,000$340,000
Essex County, VA$272,000$340,000
Floyd County, VA HUD Metro FMR Area$272,000$340,000
Franklin County, VA HUD Metro FMR Area$272,000$340,000
Giles County, VA HUD Metro FMR Area$272,000$340,000
Grayson County, VA$272,000$340,000
Greensville County-Emporia city, VA HUD Nonmetro FMR Area$272,000$340,000
Halifax County, VA$272,000$340,000
Harrisonburg, VA MSA$272,000$340,000
Henry County-Martinsville city, VA HUD Nonmetro FMR Area$272,000$340,000
Highland County, VA$272,000$340,000
King and Queen County, VA$306,000$391,000
King George County, VA$323,000$417,000
Kingsport-Bristol-Bristol, TN-VA MSA$272,000$340,000
Lancaster County, VA$272,000$357,000
Lee County, VA$272,000$340,000
Louisa County, VA$272,000$374,000
Lunenburg County, VA$272,000$340,000
Lynchburg, VA MSA$272,000$340,000
Madison County, VA$272,000$374,000
Mecklenburg County, VA$272,000$340,000
Middlesex County, VA$306,000$391,000
Northampton County, VA$272,000$340,000
Northumberland County, VA$272,000$357,000
Nottoway County, VA$272,000$340,000
Orange County, VA$289,000$374,000
Page County, VA$272,000$340,000
Patrick County, VA$272,000$340,000
Pittsylvania County-Danville city, VA HUD Nonmetro FMR Area$272,000$340,000
Prince Edward County, VA$272,000$340,000
Pulaski County, VA HUD Metro FMR Area$272,000$340,000
Rappahannock County, VA HUD Metro FMR Area$323,000$417,000
Richmond County, VA$289,000$374,000
Richmond, VA MSA$306,000$391,000
Roanoke, VA HUD Metro FMR Area$272,000$340,000
Rockbridge County-Buena Vista city-Lexington city, VA HUD No$272,000$340,000
Russell County, VA$272,000$340,000
Shenandoah County, VA$272,000$340,000
Smyth County, VA$272,000$340,000
Southampton County-Franklin city, VA HUD Nonmetro FMR Area$272,000$340,000
Staunton-Waynesboro, VA MSA$272,000$340,000
Surry County, VA$289,000$391,000
Tazewell County, VA$272,000$340,000
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are$289,000$391,000
Warren County, VA HUD Metro FMR Area$306,000$408,000
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area$357,000$417,000
Westmoreland County, VA$272,000$340,000
Winchester, VA-WV MSA$289,000$391,000
Wise County-Norton city, VA HUD Nonmetro FMR Area$272,000$340,000
Wythe County, VA$272,000$340,000
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