VA Loan Calculator for Virginia (VA) — Free Calculator

VA Loans in Virginia

VA loans allow eligible veterans and active-duty service members to buy a home in Virginia with no down payment. On the median Virginia home of $365,000, that's the full $365,000 financed — no down payment required.

VA Loan Limits in Virginia

Veterans with full entitlement have no VA loan limit. The conforming limit of $1,089,300 in Virginia is relevant only for veterans with reduced entitlement. Northern Virginia counties — Arlington, Fairfax, Loudoun — and the City of Alexandria qualify for high-cost conforming limits of $1,089,300.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $365,000 loan, the funding fee is approximately $7,847. Veterans with service-connected disabilities are exempt.

Property Taxes in Virginia

VA loans don't change your property tax obligation. Virginia's effective rate is 0.82%, adding ~$249/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

Frequently Asked Questions

Can I use a VA loan in Virginia?

Yes. VA loans are available in all states including Virginia. Eligible veterans and service members can buy the median Virginia home ($365,000) with no down payment.

What is the VA loan limit in Virginia?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $1,089,300 applies. Northern Virginia counties — Arlington, Fairfax, Loudoun — and the City of Alexandria qualify for high-cost conforming limits of $1,089,300.

How much is the VA funding fee in Virginia?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Virginia's median home of $365,000, that's approximately $7,847. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in Virginia?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $3,900 in Virginia. Virginia charges a Grantor's Tax of $0.50/$500 of sale price plus a state recordation tax. Localities may add additional recordation taxes. Northern Virginia and the Northern Virginia Transportation Authority also add levies on real property transactions. Sellers can also contribute to closing costs.

VA Loan Calculator for Virginia

VA Loans in Virginia

VA Loan Limits in Virginia

VA Funding Fee

Property Taxes in Virginia

VA Loan Calculator for Other States

Frequently Asked Questions