Summary answer: To buy in Chantilly in 2026, plan on somewhere between $14,000 and $90,000+ saved, depending heavily on loan type and property. A VA-eligible buyer purchasing a $700,000 home might need as little as $14,000-$20,000 total. A conventional buyer with 10% down on a similar home is looking at closer to $82,000-$91,000.
I'm Johnny with JQ Real Estate. Let me break down what that actually means for your specific plan.
Two realistic Chantilly scenarios
| Scenario | Purchase Price | Down Payment | Est. Total Cash Needed |
|---|---|---|---|
| VA loan | $700,000 | $0 | ~$14,000-$20,000 |
| Conventional, 10% down | $700,000 | $70,000 | ~$82,000-$91,000 |
Why the specific neighborhood matters here
Chantilly's neighborhoods vary widely — Sully Station runs $550,000-$825,000 while Virginia Run runs $900,000-$1.35M — so your target area shifts this number significantly.
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Reach out and let's map out a realistic savings target based on your loan type and target property.
For more Chantilly buyer and seller questions, visit our Chantilly real estate hub.