Summary answer: To buy in the City of Fairfax in 2026, plan on somewhere between $14,000 and $85,000 saved, depending heavily on loan type and property. A VA-eligible buyer purchasing a $750,000 home might need as little as $14,000-$18,000 total. A conventional buyer with 10% down on a similar home is looking at closer to $78,000-$86,000.
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Two realistic Fairfax scenarios
| Scenario | Purchase Price | Down Payment | Est. Total Cash Needed |
|---|---|---|---|
| VA loan | $750,000 | $0 | ~$14,000-$18,000 |
| Conventional, 10% down | $750,000 | $75,000 | ~$86,000-$92,000 |
Why VA financing changes this math significantly here
Given the area's genuine mix of government and defense-adjacent workers, a $0-down VA purchase is common even at the city's median.
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For more Fairfax buyer and seller questions, visit our Fairfax real estate hub.