Summary answer: To buy in Woodbridge in 2026, plan on somewhere between $10,000 and $75,000+ saved, depending heavily on loan type and property. A VA-eligible buyer purchasing a $480,000 home might need as little as $10,000–$14,000 total. A conventional buyer with 10% down on a similar home is looking at closer to $58,000–$62,000.
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Two realistic Woodbridge scenarios
| Scenario | Purchase Price | Down Payment | Closing Costs | Est. Total Cash Needed |
|---|---|---|---|---|
| VA loan | $480,000 | $0 | ~$9,500–$13,000 | ~$10,000–$14,000 (with reserves) |
| Conventional, 10% down | $480,000 | $48,000 | ~$9,500–$13,000 | ~$57,500–$61,000 |
Why VA financing changes this math more here than most NOVA markets
Given Woodbridge's proximity to Quantico, a meaningful share of purchases happen with $0 down.
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