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.
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.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
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.