VA Loans in Virginia
Virginia VA loans can look very different depending on where you buy. An eligible buyer with full entitlement can purchase with $0 down and no monthly mortgage insurance. Hampton Roads, the Quantico and Washington corridor, central Virginia, and Roanoke each have different home prices, local taxes, and insurance costs, while Virginia also has three different 2026 conforming loan limits. We offer VA purchase, refinance, and one-time close construction loans throughout the Commonwealth.
- Licensed in all 50 states
- PBT Bancorp NMLS# 257781
Speak with a VA loan specialist about your loan options.
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Which 2026 Conforming Loan Limit Applies to the Virginia Property?
Virginia does not have one conforming loan limit for the entire state because the correct amount is based on the county or independent city where the property is located, which is especially important around Northern Virginia and Fredericksburg.
Most Virginia localities
The $832,750 baseline applies throughout Hampton Roads, Richmond, Petersburg, Roanoke, and most of the Commonwealth.
Madison County
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.
Washington-area high-cost localities
The $1,249,125 limit applies to 17 Virginia counties and independent cities across Northern Virginia and the Fredericksburg area.
Select a state and county to see the official FHFA figure.
Data comes from the FHFA 2026 county limits and VA entitlement guidance. Use the one-unit limit even when the property has more than one unit.
The FHFA sets the conforming loan limits by county each year. This isn’t something that changes depending on your lender. Please keep in mind that the conforming loan limit isn’t the actual limit for the loan amount the VA will approve. It is only the limit for a conforming loan, anything over this amount would be considered a high-balance loan.
Talk through the numbers
Want help before you start touring homes?
Click Get a Callback, complete the form, and one of our VA specialists will call you to go over your specific scenario.
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.
Military benefits subtraction
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.
Disabled Veteran real estate exemption
A qualifying Veteran with a 100 percent 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.
Disabled Veteran vehicle exemption
One qualifying vehicle owned and used primarily by or for a Veteran with a 100 percent service-connected, permanent and total disability may also be exempt from local personal property tax after the locality approves it.
Review your estimate
Want the payment checked against your actual file?
A VA specialist can review the purchase price, entitlement, taxes, insurance, and lender options with you before you make an offer.
What Should You Know Before Getting Pre-Qualified in Virginia?
Current service members generally meet the minimum active-duty requirement after 90 continuous days, while Veteran, Guard, and Reserve requirements depend on when and how long the Veteran served. Eligible surviving spouses may also qualify, and we pull your Certificate of Eligibility (COE) to confirm the individual service record.
The VA does not set a minimum credit score, but most lenders require a score above 620. At PBT Bancorp, we have the ability to go as low as 500 on cash-out and purchase loans, and our VA IRRRL program has a No Minimum Credit Score option.
Once the application has been completed and all documents submitted, a complete VA loan can often close in just 2 to 3 weeks. Of course, the actual closing date still depends on how quickly we receive the appraisal, if one is needed, title documents, insurance, and how responsive the borrower is when items are needed for underwriting.
Thinking of refinancing?
Want to go over your VA refinance options?
Complete the form and one of our VA specialists will call you to go over your options.
Ready to Buy, Build, or Refinance in Virginia?
Complete the callback form or call us at 800-697-4371, and one of our VA specialists will go over your options. We can pull your COE and compare qualifying programs from more than 35 wholesale lenders.
This page was reviewed July 14, 2026, using the sources listed below. Virginia Veteran population data comes from the Virginia Department of Veterans Services 2024 Annual Report. The conforming loan limits come from the FHFA 2026 county table, and the entitlement explanation comes from VA home loan guidance. Virginia tax information comes from the Virginia Department of Veterans Services and Virginia Tax.