Free Tool · No Credit Check · Virginia (VA)
Virginia Mortgage Calculator
Estimate your monthly mortgage payment in Virginia — with local property tax rates pre-filled. Includes FHA, VA, USDA, and conventional loans, full PITI breakdown, and amortization schedule. No credit check. No sign-up.
Calculate your Virginia mortgage payment
Defaults use Virginia's average property tax rate of 0.87%. Adjust to your specific area.
- ✓Full PITI breakdown — Principal, Interest, Taxes & Insurance
- ✓FHA, VA, USDA & Conventional loan types
- ✓Complete amortization schedule included
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Buying a Home in Virginia
Virginia property taxes average 0.87% of home value. Northern Virginia near Washington DC commands premium pricing — many buyers in Fairfax, Arlington, and Loudoun counties need jumbo loans. Our loan officers specialize in this corridor.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender serving Virginia. Our loan officers know the Virginia market and can give you a precise payment estimate based on the actual property and your credit profile — not just a calculator estimate.
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Virginia Mortgage — Common Questions
What is the property tax rate in Virginia?
Virginia's average effective property tax rate is approximately 0.87% of home value annually. Tax rates vary by county — your actual property tax will be based on the specific county and municipality where you buy. Your HCMG loan officer will give you an estimate based on the actual property.
What is the conforming loan limit in Virginia?
The 2024 conforming loan limit in most of Virginia is $766,550. Loans below this amount qualify for conventional (Fannie/Freddie) financing. Amounts above this limit are jumbo loans and have different qualification requirements.
Does HCMG lend in Virginia?
Yes. Harris Capital Mortgage Group (NMLS# 1918223) is licensed to lend in Virginia. Our loan officers are familiar with Virginia's local market, property tax structure, and available assistance programs.