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Washington County Virginia USDA Approved Zero Down Home Mortgage Rural Loans
Washington County is located in Virginia, where some rural communities may qualify for USDA Rural Development home financing. USDA loans may allow eligible homebuyers to purchase a qualifying primary residence with no down payment.
Eligibility depends on the specific property address, and borrowers must also meet USDA income, credit, and other program requirements.
By purchasing a home located in a USDA Rural area USDA Loans allow qualified homebuyers the ability to buy a house with:
- No Money Down
- 100% Financing
- Low Monthly Mortgage Insurance
- Flexible Credit Approval
- Secure 30 Year Fixed Rate Mortgage
- 6% Seller Closing Cost Help Allowed
Where Are USDA Loans Available in Washington County, Virginia?
Eligible Cities
- Abingdon
- Alvarado
- Clinchburg
- Damascus
- Emory
- Hayter
- Lindell
- Meadowview
- Mendota
Ineligible Cities
- Bristol
The communities listed above provide a starting point for identifying USDA-eligible areas in Washington County, Virginia. However, eligibility is determined by the specific property address, and not every home in a listed community will necessarily qualify.
Before making an offer, verify the property using the official USDA Rural Development Property Eligibility website. USDA makes the final property eligibility determination.
USDA No Money Down Loan Program Maximum Household Income
| Family Household Size: | 1-4 | 5+ |
USDA income eligibility in Washington County depends on household size and qualifying household income, not only the income of the mortgage applicants. USDA-permitted deductions may affect the calculation.
Review the income-limit table above and confirm current limits and eligibility with USDA before relying on a particular figure.
Frequently Asked Questions About USDA Loans in Washington County, Virginia
1. Can I buy a home in Washington County with no down payment?
Potentially. Eligible borrowers may qualify for 100% financing through the USDA Guaranteed Loan Program if the property is in an eligible area and all program requirements are met.
2. Which Washington County communities are listed as USDA eligible?
The eligible communities shown on this page include Abingdon, Alvarado, Clinchburg, Damascus, Emory, Hayter, Lindell, Meadowview, Mendota. These lists are a starting point, not a guarantee that every property in a listed community qualifies.
3. Are all homes in Washington County USDA eligible?
No. USDA property eligibility is determined by the specific address. Check the official USDA Rural Development Property Eligibility website.
4. What are the USDA income limits for Washington County?
USDA income limits depend on household size and qualifying household income. Review the income-limit table above and confirm current limits with USDA.
5. Can I qualify for a USDA loan if my household income seems too high?
Possibly. USDA permits certain household income deductions that may affect eligibility. The final determination depends on applicable USDA guidelines and the household circumstances.