Virginia Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Virginia. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7%
Avg APR
15yr Fixed
6.4%
Avg APR
Median Price
$400,000
Median home
Monthly P&I
$2,133
30yr at 80% LTV
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Top Mortgage Lenders in Virginia
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Virginia
- ✓VHDA Mortgage
- ✓VHDA Plus Second Mortgage
- ✓VHDA Down Payment Assistance Grant
Mortgage Requirements in Virginia
- •Min 640 credit score for VHDA programs
- •Income and purchase price limits by region
- •Homebuyer education required
Virginia Housing Market Facts
Northern Virginia (DC suburbs) is among the most expensive sub-markets nationally.
Richmond and Virginia Beach offer more affordable alternatives.
VHDA provides DPA grants — no repayment required.
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