All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Virginia.
How much house can I afford in Virginia? →Virginia Housing (the state HFA) pairs a 30-year fixed-rate first mortgage (FHA, VA, RD, or conventional) with a true grant — never repaid — toward down payment, for qualified first-time homebuyers (or repeat buyers in a Federally designated Targeted Area). Requires completion of a Virginia Housing-approved homebuyer education course.
Pairs a Virginia Housing first mortgage with a second, 30-year fixed-rate loan covering 3%-5% of the purchase price to eliminate the need for a separate cash down payment; borrowers with credit scores of 680+ may also finance part of closing costs.
Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Virginia's transfer tax is only 0.10% and the seller usually pays it. Here's what a buyer really pays to close on a $453,389 Virginia home, line by line.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Virginia guide
Look up "Virginia transfer tax" and you'll get a number that seems too small to matter: 0.10%. On Virginia's statewide median sale price of $453,389, that's $453. Less than a home inspection.
It's a real number, and it's not your number. Virginia's 0.10% is a grantor's tax — the grantor is the seller, the person handing over the deed. The buyer is charged separately, on a different basis, at a rate two and a half times higher.
That's the shape of closing in Virginia: the tax everybody quotes is the seller's, and it distracts from the buyer-side recordation taxes that move your cash to close. Because most cities and counties layer their own share on the state rate, your total depends on which side of a county line the house sits.
None of this makes Virginia expensive; the line items worth checking just aren't the ones the headline rate points at. For how each fee works, start with our full line-by-line breakdown of closing costs.
A note before you start: this is general education, not financial, legal, or tax advice. Every figure below is a statewide number from CalculatorByState's sourced dataset, and your city or county, lender, settlement agent, and contract will all move the total. Virginia's local recordation add-ons are set locality by locality, so the only rate that matters is the one for the jurisdiction you're buying in — confirm it with your settlement agent rather than assuming the statewide figure. Your Loan Estimate and Closing Disclosure are authoritative. Use this to sanity-check them, not to replace them.
A 2% to 3.4% range against Virginia's $453,389 median sale price gives you roughly $9,068 to $15,415, midpoint around $12,242. On a $350,000 purchase the same range is about $7,000 to $11,900.
Read the full Virginia guide →9 min read · Updated 2026-08-24