VA Loans in Fairfax County, VA
Fairfax County is Northern Virginia's largest county and one of the most active VA-loan markets in the country, anchored by Fort Belvoir, the Tysons employment corridor, and some of the region's most sought-after school districts. With no VA loan limit for veterans with full entitlement, qualified buyers can compete here with 0% down and no PMI.
0%
Down payment
$0
PMI — ever
No limit*
VA loan limit
$2,796+/mo
BAH (E-5 w/dep)
*No county loan limit for veterans with full VA entitlement.
Why Mable for veterans
A VA loan team that knows Fairfax County
Mable Loans offers one of the widest ranges of mortgage programs anywhere — but veterans hold a special place here. Our dedicated VA Loan department goes above and beyond to make your benefit work as hard as it should, with low rates, fast service, and an easy start.
Not a veteran? We have you covered too — explore all our loan programs.
Buying in Fairfax County
- Home to Fort Belvoir and within a short commute of the Pentagon — a deep, military-friendly housing market.
- Higher-priced corridor (Tysons, McLean, Vienna) where VA's no-down-payment, no-PMI structure is especially valuable.
- Strong inventory of townhomes and single-family homes across Springfield, Burke, Fairfax, and Centreville.
Why VA loans win in Fairfax County
0%
Down Payment Required
Qualified veterans can finance 100% of the purchase price.
$0
Private Mortgage Insurance
VA loans never require PMI — saving you $100–$300/mo vs conventional.
Reusable
Lifetime Benefit
Your VA loan benefit isn't a one-time use — it restores after payoff or can run concurrently.
Lower
Average Interest Rate
VA loans consistently average 0.25–0.5% below conventional 30-year fixed rates.
VA loan details — Fairfax County
Loan limit
No county loan limit for veterans with full entitlement. With reduced entitlement, the county conforming loan limit applies.
Down payment
0% required for veterans with full entitlement — finance 100% of the purchase price.
Funding fee (first use, 0% down)
2.15%, typically rolled into the loan. Waived for veterans receiving VA disability compensation.
PMI
None — ever. VA loans never require private mortgage insurance.
Typical closing time
30–45 days from a ratified contract. PCS-friendly when started early.
Near Fort Belvoir
Stationed at or PCSing to Fort Belvoir? See base neighborhoods, BAH context, and commute times.
Fort Belvoir guide
BAH context — Fairfax County
$2,796/mo
E-5 with dependents
$3,684/mo
O-3 with dependents
Verify current rates at militarypay.defense.gov.
See today's live VA loan rates
Real, lender-priced rates — updated through the business day.
VA loan FAQs — Fairfax County
Reviewed by Andrew D'Amato — President & Mortgage Expert · NMLS #1289793
Is there a VA loan limit in Fairfax County?
No. Veterans with full VA entitlement have no county loan limit — you can borrow as much as you qualify for with 0% down. Buyers with reduced entitlement are bound by the county conforming loan limit; we'll confirm your entitlement before you shop.
Can I use a VA loan in Fairfax County's higher-priced areas?
Yes. Because there's no loan limit with full entitlement, VA financing works well in higher-cost areas like Tysons, McLean, and Vienna — often the strongest option since it avoids both a down payment and monthly PMI.
Do you work with active-duty buyers PCSing to Fort Belvoir?
Constantly. Our VA Loan department is built around PCS timelines — start early and we can often close in 30–45 days from a ratified contract.
Ready to use your VA benefit in Fairfax County?
Get pre-approved with a team that treats veterans like family — low rates, fast service, no pressure.