Summary answer: To buy in Manassas in 2026, plan on somewhere between $10,000 and $80,000+ saved, depending heavily on loan type and property. A VA-eligible buyer purchasing a $540,000 home might need as little as $10,000-$14,000 total. A conventional buyer with 10% down on a $670,000 single-family home is looking at closer to $78,000-$85,000.
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Three realistic Manassas scenarios
| Scenario | Purchase Price | Down Payment | Est. Total Cash Needed |
|---|---|---|---|
| VA loan | $540,000 | $0 | ~$10,000-$14,000 |
| Conventional, townhome, 10% down | $450,000 | $45,000 | ~$54,000-$58,000 |
| Conventional, single-family, 10% down | $670,000 | $67,000 | ~$78,000-$85,000 |
Why VA financing changes this math significantly here
Given Manassas's genuine military and defense-adjacent population, a $0-down VA purchase is common even on single-family homes.
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For more Manassas buyer and seller questions, visit our Manassas real estate hub.