# Virginia home buying costs, with real Richmond-area numbers

Source: https://nobullshitloans.com/virginia/
By Tyler Rood, Loan Officer, NMLS ID # 2064776, Edge Home Finance, LLC (NMLS ID # 891464). Updated 2026-11-09.

Most of what you read about buying a home is national. The money isn't. Virginia home buying costs have their own rules: the state and your county tax both the deed and the loan when you buy, the seller owes a grantor tax, you get to choose who runs your settlement, and every city and county around Richmond sets its own property tax rate and its own due dates. Those lines move your cash to close and your monthly payment, and they're the ones a national site skips.

This section works them out with real numbers. On a $350,000 purchase in Chesterfield County with a $332,500 loan, the state and county recording charges alone come to about $2,388, assuming the county's standard one-third local share, before a lender or title company charges anything. In 2026, Henrico charges $0.83 per $100 of assessed value, Chesterfield $0.89 and the City of Richmond $1.20, and their bills come due in different months.

Where to start:

- **Pricing a purchase or a refinance:** [Virginia closing costs](https://nobullshitloans.com/virginia/closing-costs/), every line and who pays it.
- **Comparing houses across a county line, or wondering why your payment changed:** [property taxes and escrow](https://nobullshitloans.com/virginia/property-taxes/).
- **Buying your first home:** [Virginia first-time buyer programs](https://nobullshitloans.com/virginia/first-time-buyer-programs/), then the [first-time buyer guide](https://nobullshitloans.com/buy/first-time-home-buyer/).
- **Buying near Fort Lee:** the [Fort Lee guide](https://nobullshitloans.com/veterans/fort-lee/).
- **Under contract and checking your numbers:** [Virginia closing costs](https://nobullshitloans.com/virginia/closing-costs/), line by line, then [what not to do before closing](https://nobullshitloans.com/buy/what-not-to-do-before-closing/).

I work out of Chesterfield, and these are the numbers I put in front of buyers before they sign a contract, so nothing at the closing table is a surprise.

## Disclosures

Individual Originator: Tyler Rood, Loan Officer, NMLS ID # 2064776 (www.nmlsconsumeraccess.org). Licensed in NC, PA, TX and VA.
Edge Home Finance, LLC | NMLS ID # 891464 | www.nmlsconsumeraccess.org. Licensed in all U.S. states & D.C., EXCEPT New York. Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. Virginia Broker License MC-7006. North Carolina Mortgage Broker License B-201539. Pennsylvania Mortgage Broker License 81041. Texas: Mortgage Company License, Department of Savings and Mortgage Lending.
Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), or any other government agency.
We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.