Closing Costs in Northern Virginia: A Complete 2026 Guide
Closing costs in Northern Virginia run 2-5% of your loan amount. Learn what fees you will pay and how to reduce them.
Frequently Asked Questions
How much are closing costs in Northern Virginia?
Closing costs in Northern Virginia typically range from 2% to 5% of the loan amount. On a $600,000 home, budget between $12,000 and $30,000. The exact amount depends on your loan type, property taxes, and whether you negotiate seller credits.
Can I roll closing costs into my mortgage?
Some closing costs can be financed. FHA loans allow you to finance the 1.75% upfront mortgage insurance premium. VA loans allow financing the funding fee. However, most other closing costs (appraisal, title insurance, recording fees) must be paid at closing.
Can the seller pay my closing costs in Virginia?
Yes. Sellers can contribute toward your closing costs up to a limit set by your loan type: 6% for FHA and VA loans, 3% for conventional loans with less than 10% down, and 9% for conventional with 10%+ down. In slower markets, sellers are more willing to offer credits.
Related Programs
- FHA Loans — 3.5% down payment, credit scores from 580, ideal for first-time home buyers
- VA Loans — Zero down payment for veterans, active-duty military, and surviving spouses
- Conventional Loans — Fannie Mae and Freddie Mac, financing up to 97%, credit from 620
- Jumbo Loans — For properties exceeding 2026 conforming loan limits ($832,750 most counties)
- Non-QM Loans — Bank statement loans for self-employed, 1099 income, DSCR, and ITIN loans