How Much Do I Need for a Down Payment in Northern Virginia?

How Much Do I Need for a Down Payment in Northern Virginia? 

The myth that you need 20% down is one of the biggest hurdles for buyers. In reality, most Northern Virginia homeowners bought with far less.
FHA loans require just 3.5% down, conventional options start at 3–5%, and qualified veterans can use 0% down VA loans.
There are also local grant programs in Prince William, Fairfax, and Loudoun counties that can cover part of your down payment or closing costs — sometimes worth thousands.
A larger down payment can help lower your monthly payment and interest rate, but don’t let that delay your plans. What matters more is affordability, stability, and having reserves for maintenance after closing.
✅ Tip: I can connect you with trusted lenders who’ll map out your best options based on your credit, income, and price range.
Ready to explore your buying power? Reach out and we’ll run the numbers together.

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