Northern Virginia Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Northern Virginia, Virginia (License #MLO-44472VA). The high-cost Northern Virginia counties near Washington, D.C. carry a 2026 conforming loan limit of up to $1,249,125 for a one-unit home — the national ceiling — so many buyers can use high-balance conforming financing before needing a jumbo loan.
Northern Virginia is a high-cost, Washington, D.C.-adjacent market where home prices frequently exceed the national baseline conforming limit, making high-balance conforming and jumbo financing common.
Today's Northern Virginia Mortgage Rates
Live best-execution Virginia rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
VA 30-Yr Fixed
5.625%
APR 5.741%
Conventional 30-Yr Fixed
6.000%
APR 6.101%
High-Balance 30-Yr Fixed
6.125%
APR 6.193%
FHA 30-Yr Fixed
5.490%
APR 5.602%
Rates subject to change. See Rate Assumptions.
Northern Virginia Home Loan Facts
Median Home Price
~$700,000
Curated Northern Virginia estimate.
2026 Conforming Limit
$832,750
Fairfax, Arlington & Loudoun Counties baseline reference.
County
Fairfax, Arlington & Loudoun Counties
Loan limits are set at the county level.
Loan Limits & Market
The high-cost Northern Virginia counties near Washington, D.C. carry a 2026 conforming loan limit of up to $1,249,125 for a one-unit home — the national ceiling — so many buyers can use high-balance conforming financing before needing a jumbo loan.
Spanning Fairfax, Arlington, Loudoun, and Prince William counties, Northern Virginia combines a strong professional job base with elevated home values. Many purchases here use high-balance conforming loans up to the high-cost limit.
Northern Virginia Highlights
- High-cost county limit up to $1,249,125 (2026)
- High-balance conforming often replaces jumbo
- Strong professional job base near Washington, D.C.
- Jumbo financing available above the county limit
Property Taxes in Virginia
Virginia property tax is assessed and collected locally, so effective rates vary by city and county. Some localities offer relief for disabled veterans and seniors.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Virginia
Virginia Housing Down Payment Assistance
Grant toward down payment for eligible first-time buyers.
Virginia Housing Loan Combo
Affordable first mortgage paired with down payment and closing-cost assistance.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Northern Virginia, Virginia
Your Northern Virginia loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Virginia mortgage license (#MLO-44472VA). See our full licensing & disclosures for details.
Meet Ivan HendrenNorthern Virginia Mortgage FAQ
What is the conforming loan limit in Northern Virginia for 2026?
The high-cost Northern Virginia counties near Washington, D.C. carry a 2026 conforming limit of up to $1,249,125 for a one-unit home. Loans above that amount are financed as jumbo loans.
Do I need a jumbo loan to buy in Northern Virginia?
Not always. Because Northern Virginia’s high-cost counties allow a conforming limit up to $1,249,125, many buyers can use a high-balance conforming loan and only need a jumbo loan above that limit.
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