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First-time home buyer programs in Dale City, VA

Quick answer

First-time buyers in Dale City, VA can use 3%-down conventional loans (up to the $1,249,125 Prince William County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $400,100 median home, 3% down is about $12,003 and the estimated payment is $3,167/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $113,245; value-to-income ratio 3.53. Dale City ranks 78 by home value and 13 by population among 129 places in our VA dataset.

What does a first-time buyer loan cost on a typical Dale City home?

ItemDale City
Median home value (Census ACS)$400,100
Virginia median home value$360,700
Down payment (3%)$12,003
Loan amount$388,097
Estimated monthly payment (PITI + MI)$3,167
Income needed (28% / 36%)$136,000 / $106,000
Prince William County 2026 conforming limit (1 unit)$1,249,125
Max purchase price at the limit$1,287,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Virginia's 0.74% effective property tax rate (Census ACS), $1,537/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Dale City?

Dale City is in Prince William County. Conventional 3%-down loans go up to the $1,249,125 conforming limit (price ≈ $1,287,000); FHA loans go up to $1,249,125.

The Dale City median home value of $400,100 is 11% above the Virginia median, and within what the county limit supports.

Which down payment assistance programs can Dale City buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

MontclairLake RidgeIndependent HillLeesylvaniaWoodbridgeCherry Hill

First-time buyer loan FAQs for Dale City

On the $400,100 median: 3% conventional ≈ $12,003, 3.5% FHA ≈ $14,004, and 0% for eligible VA or USDA buyers. Conventional loans above $1,249,125 in Prince William County become jumbo loans.

At the $400,100 median value (above the Virginia median of $360,700), the estimated payment of $3,167/month at 7.18% needs about $136,000 a year under the 28% housing guideline, or $106,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.