$0 Down · No PMI · Veteran-Owned
VA Loans in Virginia
Virginia is the capital of Navy America and arguably of veteran America: Hampton Roads alone holds the world's largest naval station at Norfolk, the master jet base at Oceana, amphibious forces at Little Creek, shipbuilding at Newport News, and Langley's fighters — while Northern Virginia stacks the Pentagon, Quantico, Belvoir, and the densest veteran professional workforce in the nation. Nearly 700,000 veterans call Virginia home.
686K
Virginia Veterans
11
Military Installations
$0
Down Payment
$832,750
2026 Baseline Limit
Why Virginia
A VA team that knows Virginia’s military markets
Virginia Beach–Norfolk and Northern Virginia are perennial top-five VA-lending markets nationally. From $300K starter homes in Chesapeake to $900K townhomes in Alexandria, the VA loan's $0-down, no-PMI structure is the default financing for military Virginia — and with full entitlement, no price cap applies.
Hampton Roads is one interlocking military market: Virginia Beach, Norfolk, Chesapeake, Portsmouth, and Suffolk on the Southside; Hampton, Newport News, Yorktown, and Williamsburg on the Peninsula — every city shaped by fleet concentrations, shipyards, and Langley-Eustis. Northern Virginia runs on the Pentagon and Belvoir through Alexandria, Springfield, and Fairfax, with Quantico's Marine corridor pushing through Stafford, Woodbridge, Dumfries, and Fredericksburg. Fort Gregg-Adams anchors the Tri-Cities south of Richmond, and Dahlgren's Navy scientists shape King George County.
Beyond the Loan
More Virginia benefits you earned
The VA loan is one piece of what Virginia owes its veterans. Here’s the rest of the stack — worth real money every year:
Income Tax
Retirement subtraction
Virginia phases in a substantial military-retirement subtraction from state income tax.
Education
VMSDEP
The Military Survivors & Dependents Education Program waives tuition at Virginia public colleges for spouses/children of qualifying disabled, deceased, or POW/MIA veterans — a flagship benefit.
Recreation
Licenses & parks
Discounted or free hunting/fishing licenses for qualifying disabled veterans; free state-park passport for 100% disabled Virginia veterans.
Vehicle
Plates & tax relief
DV plates plus personal-property tax relief on one vehicle for qualifying 100% disabled veterans.
Benefit rules and amounts change with each legislative session — confirm current details with the Virginia Department of Veterans Services. When you work with us, we walk through which of these apply to your purchase and your budget.
Official VA Data
Virginia VA lending, by the numbers
31,940
VA Loans Closed (FY2025)
$14.7B
VA Dollars Guaranteed (FY2025)
$460K
Average VA Loan
685,503
Veterans in VA
Virginia veterans closed 31,940 VA loans in fiscal year 2025 — 19,792 of them home purchases — and the VA paid $6.5 billion in disability compensation and pension to Virginia veterans in FY2024. Every veteran receiving that compensation is exempt from the VA funding fee.
Sources: VA Loan Guaranty loans-by-state report, FY2025 · VetPop2023 state projections (NCVAS) · VA Geographic Distribution of Expenditures, FY2024.
Bases We Serve
Military installations in Virginia
Every installation below anchors a housing market our team lends in — PCS moves, first purchases on BAH, and buy-then-rent strategies included.
Navy
Naval Station Norfolk
Serving Norfolk
VA loan guide →
Navy
NAS Oceana
Serving Virginia Beach
VA loan guide →
Joint
JEB Little Creek-Fort Story
Serving Virginia Beach · Norfolk
VA loan guide →
Navy
Naval Medical Center Portsmouth
Serving Portsmouth
VA loan guide →
Joint
Joint Base Langley-Eustis
Serving Hampton · Newport News
VA loan guide →
Navy
Naval Weapons Station Yorktown
Serving Yorktown · Williamsburg
VA loan guide →
Marine Corps
MCB Quantico
Serving Quantico · Stafford · Woodbridge · Dumfries
VA loan guide →
Army
Fort Belvoir
Serving Alexandria · Springfield · Lorton
VA loan guide →
Joint
The Pentagon
Serving Arlington
VA loan guide →
Army
Fort Gregg-Adams
Serving Petersburg · Hopewell · Colonial Heights
VA loan guide →
Navy
NSWC Dahlgren
Serving Dahlgren · King George
VA loan guide →
2026 BAH Rates
Compare BAH across Virginia’s installations
BAH is set per housing area, not per state — and it counts as qualifying income on a VA loan. Here’s how Virginia’s duty stations compare at key pay grades.
| Installation | E-4 | E-5 | E-6 | E-7 | O-3 |
|---|---|---|---|---|---|
| Naval Station Norfolk | $2,229 | $2,430 | $2,559 | $2,604 | $2,694 |
| NAS Oceana | $2,229 | $2,430 | $2,559 | $2,604 | $2,694 |
| JEB Little Creek-Fort Story | $2,229 | $2,430 | $2,559 | $2,604 | $2,694 |
| Naval Medical Center Portsmouth | $2,229 | $2,430 | $2,559 | $2,604 | $2,694 |
| Joint Base Langley-Eustis | $2,082 | $2,274 | $2,421 | $2,439 | $2,475 |
| Naval Weapons Station Yorktown | $2,082 | $2,274 | $2,421 | $2,439 | $2,475 |
| MCB Quantico | $2,730 | $2,955 | $3,174 | $3,228 | $3,327 |
| Fort Belvoir | $3,096 | $3,132 | $3,759 | $3,855 | $4,020 |
| The Pentagon | $3,096 | $3,132 | $3,759 | $3,855 | $4,020 |
| Fort Gregg-Adams | $2,157 | $2,358 | $2,628 | $2,676 | $2,760 |
| NSWC Dahlgren | $2,307 | $2,313 | $2,715 | $2,763 | $2,844 |
2026 monthly BAH, with dependents, from official DoD (DTMO) rate data. Click any installation for all 24 pay grades, without-dependents rates, and a payment-vs-BAH estimator for that housing area.
2026 Program Facts
What the VA loan gets you in Virginia
$0 Down Payment
Buy with no down payment on loans within your entitlement — the signature VA benefit.
No PMI
VA loans never charge monthly private mortgage insurance, keeping payments lower than FHA or low-down conventional.
Competitive Rates
The VA guaranty lets lenders price VA loans below comparable conventional rates for most borrowers.
Flexible Credit
The VA sets no minimum credit score — guidelines focus on residual income and the whole picture.
Limited Closing Costs
The VA restricts which fees veterans can be charged, and sellers may pay all of them plus concessions.
Reusable for Life
VA entitlement is a lifetime benefit — it can be restored and reused, and you can hold more than one VA loan at once.
VA loan vs. conventional in Virginia
| Feature | VA Loan | Conventional |
|---|---|---|
| Down payment | $0 required | 3–20% (20% to avoid PMI) |
| Monthly mortgage insurance | Never | Required under 20% down |
| Minimum credit score | None set by VA | Typically 620+ |
| Interest rates | Typically below conventional | Higher without large down payment |
| Upfront fee | Funding fee 2.15% first use (waived with disability rating) | None |
| Prepayment penalty | Never | Rare, but possible |
| Loan limit | None with full entitlement | $832,750 baseline (2026) |
| Assumable by a buyer | Yes — VA loans are assumable | Generally not |
2026 VA loan limits in Virginia
With full entitlement, the VA does not cap your loan amount — county loan limits only apply when you have reduced entitlement (an existing VA loan or a prior default). For reduced-entitlement borrowers, the 2026 baseline county limit is $832,750, and designated high-cost counties range up to $1,873,675.
The VA funding fee, plainly
- First use, under 5% down: 2.15%
- Subsequent use, under 5% down: 3.30%
- With 5% down: 1.50% · with 10% down: 1.25%
- Streamline refinance (IRRRL): 0.50%
Veterans receiving VA disability compensation at any rating are fully exempt from the funding fee, as are eligible surviving spouses and Purple Heart recipients on active duty.
Where We Lend
Virginia cities we serve
From base-gate communities to the metros veterans choose after service, these are the Virginia markets where our VA lending is most active.
- Virginia Beach~$433K
- Norfolk~$316K
- Chesapeake~$429K
- Portsmouth~$270K
- Suffolk~$393K
- Hampton~$283K
- Newport News~$298K
- Yorktown~$487K
- Williamsburg~$473K
- Quantico~$326K
- Stafford~$562K
- Woodbridge~$508K
- Dumfries~$600K
- Fredericksburg~$487K
- Alexandria~$679K
- Springfield~$717K
- Lorton~$664K
- Arlington~$823K
- Fairfax~$799K
- Petersburg~$254K
- Colonial Heights~$302K
- Hopewell~$237K
- Richmond~$379K
- King George~$475K
Typical home values: Zillow Home Value Index, 2026-06.
Straight Answers
Virginia VA loan questions, answered
Is there a VA loan limit in Virginia?
Not with full entitlement. With reduced entitlement, Northern Virginia's DC-metro counties use the elevated 2026 limit of $1,249,125, while Hampton Roads and the rest of the state use $832,750.
Where do Navy families buy in Hampton Roads?
Virginia Beach's Kempsville and Red Mill areas for schools, Chesapeake's Greenbrier and Western Branch for value and commute balance, Norfolk for proximity to the piers, Suffolk for new construction. Sea-duty rotations make this one of the most VA-fluent markets on earth.
Can I buy in Northern Virginia on military pay?
Quantico's corridor — Stafford, Dumfries, Woodbridge, and Fredericksburg — is where BAH goes furthest, with townhomes and single-families inside typical O-3/E-7 allowances. Closer-in Alexandria and Springfield trade space for commute.
How does the 100% disabled property tax exemption work in Virginia?
It's total — a 100% P&T rated veteran pays zero property tax on their principal residence, worth $4,000–$8,000+ per year in much of the state. We factor it into your real monthly payment when you qualify.
Is a buy-then-rent strategy viable in Hampton Roads?
It's the regional pastime — sea/shore rotations produce permanent tenant demand, and VA loans allow conversion to rental after occupancy. Many career sailors accumulate two or three Hampton Roads properties this way.
Ready When You Are
Start your Virginia VA loan with a team that’s worn the uniform
Get a clear pre-approval, honest numbers, and a VA process handled by people who understand PCS timelines and military life firsthand.