Summary answer: To buy in the City of Falls Church in 2026, plan on somewhere between $18,000 and $110,000+ saved, depending heavily on loan type. A VA-eligible buyer purchasing a $950,000 home might need as little as $18,000-$24,000 total. A conventional buyer with 10% down on a similar home is looking at closer to $105,000-$115,000.
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Two realistic Falls Church scenarios
| Scenario | Purchase Price | Down Payment | Est. Total Cash Needed |
|---|---|---|---|
| VA loan | $950,000 | $0 | ~$18,000-$24,000 |
| Conventional, 10% down | $950,000 | $95,000 | ~$105,000-$115,000 |
Why VA financing changes this math significantly here
Given Falls Church's genuinely high price point, a $0-down VA purchase makes a meaningful difference in how quickly you can actually get into the market.
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Reach out and let's map out a realistic savings target based on your loan type and target property.
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