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Loudoun County, VA · Rates for Oct 30, 2026

Loudoun County mortgage rates with ZERO Closing Costs

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7.125%30-year fixed · 7.125% APR

15-year fixed: 6.750% (6.750% APR).

Monthly principal & interest
$2,695
Lender fees
$3,180 ZERO
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Rates as of Oct 30, 2026, 4:58 PM ET for a $500,000 home, 20% down, 780+ credit, primary home. Restrictions apply. Example: the payment applies that rate to your numbers, principal and interest only. Your rate may differ.

Lender fees you won’t pay

$3,180
typical lender and title fees, paid or waived by CapCenter
  • Origination fee$1,300ZERO
  • Appraisal$500ZERO
  • Settlement, title services & lender’s title$1,220ZERO
  • Credit, data & flood$160ZERO

Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.

“Refinanced our house through CapCenter and it was the easiest, most pain-free mortgage experience I’ve ever had. […]”
Chris C.Refinanced · Richmond, VA · Google review, excerpt

Family-owned since 1997

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Today in Loudoun County

LoanRateAPR
Conventional 30-yr7.125%7.125%
Conventional 15-yr6.750%6.750%
Veteran 30-yr6.750%6.872%
FHA 30-yr6.625%7.152%
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Today’s ZERO Closing Cost Rates in Loudoun County, VA

Loudoun County, VA · Updated Oct 30

$500K · Loudoun County$500,000 home · $100,000 down · Loudoun County, VA · 780+ · Primary

Tap any rate to see your full quote.Click any rate to see your full quote.

Conventional

Conventional 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
7.125%7.125% APR0.0007.125%ZERO7.000%7.037% APR0.3757.037%ZERO6.875%6.949% APR0.7506.949%ZERO6.750%6.886% APR1.3756.886%ZERO6.625%6.809% APR1.8756.809%ZERO

Conventional 15-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%6.750% APR0.0006.750%ZERO6.375%6.474% APR0.6256.474%ZERO6.250%6.409% APR1.0006.409%ZERO6.125%6.363% APR1.5006.363%ZERO5.875%6.211% APR2.1256.211%ZERO

Veteran

Veteran Affairs (VA) loans are only available to US armed forces, veterans, and surviving spouses. Select FHA or Conventional if you are not eligible for a VA Loan.

Veteran 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%6.872% APR0.0006.872%ZERO6.625%6.783% APR0.3756.783%ZERO6.375%6.604% APR1.1256.604%ZERO6.250%6.539% APR1.7506.539%ZERO6.125%6.449% APR2.1256.449%ZERO

Veteran 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.500%6.819% APR0.7506.819%ZERO6.125%6.461% APR0.8756.461%ZERO6.000%6.355% APR1.0006.355%ZERO5.875%6.289% APR1.3756.289%ZERO5.625%6.137% APR2.0006.137%ZERO

FHA

FHA 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.625%7.152% APR0.0007.152%ZERO6.500%7.063% APR0.3757.063%ZERO6.375%6.987% APR0.8756.987%ZERO6.250%6.924% APR1.5006.924%ZERO6.125%6.847% APR2.0006.847%ZERO

FHA 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.500%6.978% APR0.3756.978%ZERO6.125%6.620% APR0.5006.620%ZERO6.000%6.534% APR0.7506.534%ZERO5.875%6.510% APR1.3756.510%ZERO5.500%6.251% APR2.1256.251%ZERO
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2026 loan limits

The 2026 conforming loan limit in Loudoun County, VA is $1,249,125 for a one-unit home. The 2026 FHA loan limit in Loudoun County, VA is $1,249,125 for a one-unit home.

2026 loan limits in Loudoun County, VA, by number of units
UnitsConformingFHA
1 unit$1,249,125$1,249,125
2 units$1,599,375$1,599,375
3 units$1,933,200$1,933,200
4 units$2,402,625$2,402,625

2026 limits for Loudoun County, VA. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.

In this area

Cities in Loudoun County:Leesburg,Purcellville,Sterling

Equal Housing Opportunity · REALTOR®Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Rates are estimates and subject to change without notice.

How it works

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  2. Get pre-approved

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  3. Close with ZERO

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Loudoun County facts

2026 conforming limit
$1,249,125one-unit home
2026 FHA limit
$1,249,125one-unit home

Limits: FHFA and HUD 2026 files.

Questions

What are mortgage rates in Loudoun County today?

On Oct 30, 2026: 7.125% (7.125% APR) for a 30-year fixed, 6.750% (6.750% APR) for a 15-year fixed. Both with ZERO Closing Costs.

Are Loudoun County rates different from Richmond’s?

Not on Oct 30, 2026. Same scenario, same rate: 7.125%.

Do these rates include closing costs?

Yes. Every rate includes ZERO Closing Costs. Points are the one optional cost.

Nearby for Loudoun County
Rates nearby
Leesburg mortgage ratesPurcellville mortgage ratesSterling mortgage ratesFairfax County mortgage ratesPrince William County mortgage ratesAlexandria mortgage ratesArlington County mortgage ratesFairfax mortgage ratesClarke County mortgage ratesFauquier County mortgage rates
Loan limits
Loudoun County loan limitsFairfax County loan limitsPrince William County loan limitsAlexandria loan limits
Lender
Mortgage lender in Northern Virginia
Veteran (VA) loans
Veteran (VA) loans in Northern Virginia
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Northern VirginiaVirginia mortgage ratesAll mortgage rate locations
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender. Rates are estimates and subject to change without notice.
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