Virginia Seller Disclosure Requirements | SaveOnYourHome
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How to Sell Your Home By Owner in Virginia: Disclosures, Closing, and Free FSBO Listing

A complete FSBO guide for Virginia homeowners: what you must disclose, how Virginia closings work, and how to list your home free on SaveOnYourHome.com.

Quick answer

Selling your home by owner in Virginia is legal and can save you tens of thousands of dollars. Virginia requires a hybrid seller disclosure and is a state with a hybrid closing process for closings. You can list your Virginia home free on SaveOnYourHome.com, a nationwide FSBO platform, with no listing fees and no commission owed to us.

Estimated FSBO Savings in Virginia

Up to $25,500
On a typical $425,000 Virginia home, eliminating the 6% agent commission keeps up to $25,500 in your pocket on this sale.
Where the 6% Comes From
Listing side, ~3% (~$12,750): No listing commission when you sell by owner on SaveOnYourHome.com.
Buyer side, ~3% (~$12,750): When your buyer finds you directly through your free listing, that 3% can be negotiated as a lower price or closing credit instead of going to a buyer's agent.
Typical Range on the Selling Side
On a $425K home, a Virginia FSBO seller keeps roughly $10.6K-$12.8K that would otherwise go to the buyer's agent commission.

Use the free SaveOnYourHome.com Savings Calculator to estimate the full potential savings on your specific Virginia sale.

Virginia Seller Disclosure Requirements

Disclosure Type
Hybrid
Statutory Form / Legal Basis
Residential Property Disclosure Statement (a caveat emptor notice, not a condition disclosure) (Va. Code § 55.1-700 et seq. (Residential Property Disclosure Act)).

What Virginia Sellers Must Disclose

  • Notice that Virginia follows caveat emptor and the seller makes no representations regarding condition (the form itself is essentially a caveat emptor notice)
  • Defective drywall (a specific statutory disclosure category tied to Chinese drywall issues)
  • Presence of a defective or deficient onsite sewage system, if known
  • Military air installation zone notice, where applicable

Federal Lead-Based Paint Rule

Federal Title X (42 U.S.C. Section 4852d) requires every seller in every state, including Virginia, to disclose known lead-based paint and lead-based paint hazards for homes built before 1978, provide the EPA pamphlet "Protect Your Family from Lead in Your Home," and give buyers a 10-day period to test for lead before becoming bound to the contract.

Virginia-Specific Considerations

Virginia's disclosure form is unusual: rather than requiring sellers to answer detailed condition questions, it primarily notifies the buyer that Virginia is a caveat emptor state and that the seller is making no representations, except for specific statutory carve-outs like defective drywall and certain sewage system defects.

How Closing Works in Virginia

Closing Handled By
hybrid
Attorney Review Period
N/A

Virginia is a hybrid state: Virginia State Bar opinions require an attorney to supervise the settlement process and prepare the deed, but non-attorney settlement agents (often working at title companies) may conduct many closings under that attorney supervision. In practice, many Virginia closings are run by title/escrow companies with an attorney's oversight in the background, while some sellers and buyers choose to hire their own attorney directly for added protection. Earnest money is typically held in escrow by the settlement agent or attorney's trust account until closing. There is no statutory post-signing attorney-review period in Virginia; however, buyers purchasing in an HOA/POA community have a separate 3-day right to review association disclosure documents under Va. Code § 55.1-2312. Source: Quill's Attorney State vs. Title State Guide (quilltc.com).

Transfer Tax
Virginia's state Recordation Tax is generally $0.25 per $100 of the sale price (or consideration), with certain deeds also subject to a Grantor's Tax of $0.50 per $500 (about 0.1%) paid by the seller, plus the buyer's recordation tax on the deed of trust. Exact rate structure and any local additions should be confirmed with a closing agent. Source: Code of Virginia, Title 58.1, Chapter 8 (law.lis.virginia.gov). Verification recommended with licensed Virginia attorney.

Special FSBO Considerations for Virginia

  1. Virginia does not legally require an attorney for closing, but state bar rules mean a title/settlement company must operate under attorney supervision, so FSBO sellers should ask who is legally supervising their closing.
  2. Virginia requires sellers to provide a Residential Property Disclosure Statement (or a disclaimer opting out of most disclosures), plus lead-based paint disclosure for pre-1978 homes and an HOA/POA disclosure packet if applicable.
  3. NAR data cited by industry sources suggests FSBO homes in Virginia have sold at a discount versus agent-assisted sales historically, so FSBO sellers should price carefully using local comps and consider professional pricing tools. Source: HomeLight Virginia FSBO guide (homelight.com).

Why List Your Virginia Home Free on SaveOnYourHome.com

SaveOnYourHome.com is a nationwide FSBO platform built for Virginia homeowners who want to sell their home without paying a listing agent. Listing your home on SaveOnYourHome.com is completely free, with no listing fees, no commissions to us, and no strings attached. We give Virginia sellers a professional listing page, buyer inquiry tools, and free educational resources so you can market your home yourself and keep the equity you've built.

Unlike agent-based platforms, SaveOnYourHome.com is a pure FSBO marketplace. We don't take referral fees, we don't push you toward paid services you don't need, and we never charge you a commission when your home sells. The savings from selling FSBO in Virginia, often tens of thousands of dollars, stay in your pocket.

Free Weekly FSBO Q&A Call for Virginia Homeowners

Selling your Virginia home by owner does not mean going it alone. Every week, SaveOnYourHome.com hosts a free live Q&A call where Virginia homeowners can ask real questions about pricing, disclosures, showings, offers, and closing, and get honest, commission-free answers before they list.

The call is 100% free, there is nothing to buy, and every seller is welcome, whether you are just researching FSBO or already have your home on the market. Bring your questions and get clear guidance from the SaveOnYourHome.com team.

Reserve your spot on the next free weekly Q&A call →

Frequently Asked Questions About Selling FSBO in Virginia

What must I disclose to buyers when selling FSBO in Virginia?

Virginia requires a hybrid seller disclosure. The legal basis is: Residential Property Disclosure Statement (a caveat emptor notice, not a condition disclosure) (Va. Code § 55.1-700 et seq. (Residential Property Disclosure Act)).

How much is transfer tax in Virginia, and who pays it?

Virginia's state Recordation Tax is generally $0.25 per $100 of the sale price (or consideration), with certain deeds also subject to a Grantor's Tax of $0.50 per $500 (about 0.1%) paid by the seller, plus the buyer's recordation tax on the deed of trust. Exact rate structure and any local additions should be confirmed with a closing agent. Source: Code of Virginia, Title 58.1, Chapter 8 (law.lis.virginia.gov). Verification recommended with licensed Virginia attorney.

Is there a mandatory attorney review period in Virginia?

Virginia does not have a statutory post-signing attorney review period like New Jersey's. FSBO sellers can still ask an attorney to review the contract before signing.

How much can I save by selling my home FSBO in Virginia?

On a typical Virginia sale, real estate commissions total about 5% to 6% of the sale price, roughly 3% to the listing agent and 3% to the buyer's agent. Based on a $425,000 Virginia home, eliminating that 6% keeps up to about $25,500 inside your transaction. When you sell FSBO on SaveOnYourHome.com, there is no listing fee and no listing-side commission owed to us. If your buyer also comes to you directly through your free SaveOnYourHome.com listing without a buyer's agent, the buyer-side ~3% (about $12,750) can be negotiated as a lower price or a closing credit on this same sale.

Do I need MLS access to sell FSBO in Virginia?

No. SaveOnYourHome.com is a nationwide FSBO platform that reaches Virginia buyers directly without requiring you to pay for MLS access or a listing agent.

Virginia FSBO Recommendation

Complete Virginia's official form or a comparable comprehensive form, keep copies of everything you disclose, and have a real estate attorney review your disclosure package before signing. Verify current requirements with a licensed Virginia real estate attorney.

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Important legal disclaimer

Important Legal Disclaimer. Please read carefully before relying on any information in this guide.

Not legal, tax, or financial advice. This guide is general informational content published by SaveOnYourHome.com, LLC for Virginia homeowners considering selling their home by owner (FSBO). It is not legal advice, tax advice, financial advice, investment advice, or real estate brokerage advice. Reading this page does not create an attorney-client, broker-client, or fiduciary relationship of any kind between you and SaveOnYourHome.com, LLC, its founder, its employees, or its contractors.

Not a licensed brokerage. SaveOnYourHome.com, LLC is a technology platform, not a licensed real estate brokerage in Virginia or any other state. We do not represent buyers or sellers, we do not negotiate on your behalf, and we do not receive commissions. You are acting as an unrepresented seller.

No warranty of accuracy or currentness. State disclosure laws, closing procedures, transfer taxes, and required forms change frequently, and their application depends on the specific facts of your property and transaction. While we make reasonable efforts to keep this guide accurate as of the last-updated date shown below, we make no representations or warranties, express or implied, about the completeness, accuracy, reliability, or timeliness of any information on this page. Statutory citations and form references may become outdated between updates.

Consult licensed professionals. Before completing your seller disclosure, signing any contract, or closing on your home, you should consult a licensed Virginia real estate attorney, and where appropriate a licensed tax professional, title company, and licensed home inspector. Every FSBO transaction has facts that a competent professional needs to review.

Third-party citations are not endorsements. Links to state statutes, government agencies, industry associations, and third-party sources are provided for reference only. We do not endorse and are not responsible for the content, accuracy, or availability of any third-party site or resource.

Your decision, your responsibility. The decision to sell your home by owner rather than through a licensed real estate agent is yours alone. You assume all risk related to that decision, including pricing, marketing, showings, negotiations, disclosures, and closing. To the fullest extent permitted by law, SaveOnYourHome.com, LLC and its affiliates, officers, employees, and contractors disclaim all liability for any loss, damage, or claim arising out of or related to your use of or reliance on this guide.

Last updated: July 23, 2026.

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