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: Conventional loans typically require 3% to 5% down, while FHA requires 3.5%. VA and USDA loans offer 0% down payment options for qualified applicants. Homebuying Process at Virginia Housing

: Virginia law does not strongly force sellers to disclose many property defects.

: Programs are available to qualify first-time buyers based on income limits and sales price caps.

: Fast-paced market, highest median prices.

: It is legal in Virginia for one agent to represent both the buyer and seller if disclosed. 💰 Financial Aid and Programs

: Heavy military presence with specific noise and crash zone disclosures.

: Offers excellent free training and first-time buyer education classes.

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