VA Loans in Virginia

Which 2026 Conforming Loan Limit Applies to the Virginia Property?

Virginia uses more than one conforming loan limit, so the county or independent city where the property is located determines the correct 2026 figure, especially around Northern Virginia and Fredericksburg.

The $832,750 baseline applies throughout Hampton Roads, Richmond, Petersburg, Roanoke, and most of the Commonwealth.

Madison County uses its own $1,209,750 one-unit conforming loan limit for 2026, which falls between the statewide baseline and the Washington-area high-cost limit.

The $1,249,125 limit applies to 17 Virginia counties and independent cities across Northern Virginia and the Fredericksburg area.

FHFA assigns Virginia conforming limits by county and independent city, so the same figures apply regardless of lender. Full VA entitlement is not capped by those numbers, which only determine when the requested mortgage falls into the high-balance category.

Which Virginia Military Region Are You Comparing?

Choose the region closest to the property or duty station because each city guide has current local market data, the correct conforming loan limit, and a calculator that lets you replace the general assumptions with the actual property numbers.

Hampton Roads

Start here for Naval Station Norfolk, NAS Oceana, Joint Base Langley-Eustis, Norfolk Naval Shipyard, and the surrounding Hampton Roads cities.

Quantico and the Washington corridor

These guides cover the markets around Marine Corps Base Quantico and the higher-cost Washington-area localities where the 2026 conforming loan limit is different.

Central Virginia

Use these guides when the property is in the Richmond area, the Tri-Cities, or near Fort Lee.

Western Virginia

The Roanoke guide covers the western Virginia market and gives buyers outside the larger installation-centered regions a local place to start.

How Can Virginia Taxes Change the Monthly Payment?

Virginia real estate taxes and vehicle taxes are set locally, so the exact address matters. A home in an independent city can have a different tax bill from a similarly priced home in the surrounding county, and the calculator should not apply a Veteran exemption until the locality has approved it.

For tax year 2025 and later, qualifying taxpayers may subtract up to $40,000 of eligible military benefits included in federal income. Each spouse may claim a separate subtraction when both qualify.

A qualifying Veteran with a 100% service-connected, permanent and total disability may receive an exemption on the principal residence and up to one acre after local approval. Separate rules apply to permanent and total individual unemployability and eligible surviving spouses.

One qualifying vehicle owned and used primarily by or for a Veteran with a 100% service-connected, permanent and total disability may also be exempt from local personal property tax after the locality approves it.

What Should You Change in the Virginia VA Loan Calculator?

Start with the price, rate, and down payment for the Virginia property. Replace the general tax, insurance, and association estimates with the actual figures, and use the Affordability Calculator to compare several DTI assumptions rather than treating one as a VA limit.

What Should You Know Before Getting Pre-Qualified in Virginia?

Active-duty service members often satisfy the VA service requirement after 90 continuous days. Eligibility for Veterans, Guard and Reserve members, and surviving spouses depends on the dates and length of service. We pull your Certificate of Eligibility (COE) and verify eligibility for you.

VA leaves the credit-score requirement to the lender and loan option. Our purchase and cash-out options can consider 500 in qualifying cases. For an eligible existing VA mortgage, we also offer the VA Interest Rate Reduction Refinance Loan (IRRRL), often called a streamline refinance, with no minimum credit score.

Virginia VA loans often close in 2 to 3 weeks after the completed application and documents arrive. Appraisal timing when one is required, title, insurance, and any final underwriting request still affect the closing day.

Are You Buying, Building, or Refinancing in Virginia?

Choose the guide that matches what you are trying to do, whether you want to refinance an existing Virginia VA loan or build a home with a one-time close construction loan.

Existing VA loan

Use the Virginia IRRRL guide to compare the current VA mortgage with a new payment, closing costs, funding fee, and recoupment period.

Build a home

The Virginia construction guide explains the one-time close process from builder review and plans through appraisal, draws, and completion.

Ready to Buy, Build, or Refinance in Virginia?

Use the callback form or call 800-697-4371, then tell us the Virginia county or independent city and whether you plan to buy, build, or refinance when we speak. We will pull the COE and compare the qualifying options.

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