Virginia Mortgage Rates
Live Mortgage Rates in Virginia
6.490%
Virginia Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 2:00 PM UTC
Sourced live from hundreds of wholesale lenders serving Virginia
Virginia Benchmark Rates
Lowest available rate with no discount points paid in Virginia for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Virginia | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Virginia | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Virginia | 5.990% | 6.020% |
2026 Loan Limits in Virginia
Conforming (Conventional)
$832,750 baseline
Some Virginia counties qualify as high-cost, with limits up to $1,249,125.
FHA
$541,287
Standard FHA limit. Select high-cost Virginia counties allow more, up to $1,249,125.
VA
No loan limit
VA loans in Virginia have no maximum when full entitlement is available.
USDA
Varies by area
USDA Rural Development loans follow area income limits rather than a state loan limit.
How Virginia Mortgage Rates Are Calculated
The rates shown above reflect the lowest available wholesale pricing for Virginia homebuyers and refinancers from the lenders Rate Direct actively monitors. Pricing is pulled live and refreshed hourly, so the number you see matches what a licensed mortgage broker could source at the time of the snapshot.
Your actual rate in Virginia depends on your specific scenario - credit score, loan amount, property type, loan-to-value, and loan purpose all matter. A Richmond buyer with 780 FICO at 80% LTV will price differently than one at 680 FICO or 95% LTV. To see your exact rate across hundreds of lenders, use the Rate Direct pricer.
Virginia borrowers also have access to FHA, VA, and USDA programs with lower down payment requirements and more lenient credit guidelines. Compare all loan types on the Rate Index or explore down payment assistance programs.
Virginia Mortgage Rates by Metro
See live mortgage rate benchmarks for specific Virginia metros.
Get your personalized Virginia mortgage rate
The rates above reflect the Virginia market benchmark. Your actual rate depends on your scenario. See the lowest available rate with no discount points paid for your situation from hundreds of lenders serving Virginia.