Virginia USDA Loan Without the Big Down Payment
Your next chapter starts with the right loan. A Virginia USDA loan helps you buy in rural communities without a big upfront payment. We make it easy to get started.
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Find Out About Virginia USDA Loans
USDA loans help buyers in Virginia get into homes without a traditional down payment. The program focuses on rural communities and has income guidelines that vary by county. We are happy to help you explore your options.
Our Rates For You
USDA 30 Year Purchase
USDA 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
How a Virginia USDA Loan Helps You
The Virginia USDA loan program exists to help people like you. You get to skip the down payment, enjoy competitive rates, and work with a team that wants to see you in your new home.
Skip the Down Payment
The down payment is often the hardest part. With a Virginia USDA loan, you can skip it entirely and put that money toward your new life.
Affordable from Day One
Lower rates mean lower payments. A Virginia USDA loan helps you start homeownership on solid footing.
We See the Whole You
Credit challenges do not tell your whole story. We take a thoughtful look at your situation and find a path forward together.
From Here to Home With a Virginia USDA Loan
USDA Loans compared with other mortgage loans
USDA
FHA
Conventional
VA
Real people. Real challenges. Real mortgage success.
Virginia USDA Loan FAQ
Still unsure? Talk to someone who hears you, not a script.
A Virginia USDA loan lets you buy with no down payment and offers rates that often beat conventional loans. If you are looking at rural Virginia properties, this program can save you thousands upfront and monthly.
With a Virginia USDA loan, you can buy single family homes, townhomes, approved condos, and manufactured homes in eligible Virginia rural areas. The property must be your primary residence.
We can tell you quickly if a Virginia USDA loan works for your situation. Share your income range and where you want to buy, and we check both against program guidelines.
The Virginia USDA loan guarantee fee includes 1% upfront, which can be financed into your loan, and 0.35% annually. These fees are lower than FHA insurance and help fund the program.
Virginia USDA loans are typically fixed rate, meaning your payment stays the same for the life of the loan. This gives you predictable monthly costs for 30 years.
Challenging credit does not automatically disqualify you from a Virginia USDA loan. We look at your full financial picture. If your score is below 640, we can discuss what options may still work.
Your Virginia USDA loan amount depends on your income, debts, and the property value. There is no cap from USDA itself. We help you figure out a comfortable number.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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