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Income Eligibility

Contrary to other home loan programs USDA has a maximum amount of money a household can make in a single year. The USDA income limit is determined by the average income earned in a specific county. 

The average household income limit in Virginia is $114,450 for a household up to 4 people. If the household has 5 or more people, the Virginia USDA income limit is $151,050. 

Virginia has a different income limit for every county. The income limit is based on the average income for the area. Be sure to use our USDA income eligibility tool below. 

You can fill out the USDA Eligibility form to see if you qualify for a Virginia USDA loan. 

USDA loans are eligible for new or existing homes in USDA eligible areas. Although the majority of Virginia qualifies for USDA lending, make sure to check the property eligibility tool to verify property eligibility. 

Here is the direct link to USDA’s website to verify the USDA income limits in Virginia.

USDA Home Loan Income Limits Virginia

  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in Virginia.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Virginia USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What Areas are USDA Eligible? 

Virginia USDA PropertyEligibility Map

Alabama USDA Property Eligibility Map