How Much Down Payment for an FHA Loan in Virginia?
FHA loans require as little as 3.5% down with a 580+ credit score in Virginia, Maryland & DC.
Frequently Asked Questions
Can I buy a house with 3.5% down in Virginia?
Yes, if your credit score is 580 or higher, an FHA loan allows 3.5% down anywhere in Virginia, Maryland, or DC.
How much is the FHA down payment on a $400,000 home?
At 3.5% down, you would pay $14,000. You would also need to budget for closing costs and the upfront mortgage insurance premium.
Can my family help with my FHA down payment?
Yes. FHA allows the entire down payment to come from a gift by a family member, as long as a gift letter is provided.
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