DCCU Routing # 251483311
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Do everything you can do online, plus deposit checks and use your fingerprint or Face ID for quicker access to your account.
Try Our Mobile App
Do everything you can do online, plus deposit checks and use your fingerprint or Face ID for quicker access to your account.
Build and Finance Your Home with One Closing
DCCU's Single Close – Construction to Permanent Financing allows you to finance both the construction of a new home and the long-term mortgage in a single financing solution. This eliminates the need for separate loans for land purchases, construction, and permanent financing, streamlining the process and reducing multiple closing costs.
With fewer steps and guidance from a local team you trust, you can move from planning to move-in with greater confidence.
Features:
- Up to 90% LTV financing
- Single Close construction to permanent financing available
- Interest-only payments during construction
Benefits
Not sure where to start? We’re here to help! Our Mortgage Advisors are here to walk you through the entire process, step by step, and answer any questions you have along the way!
Construction Only Financing
Don't need permanent financing? DCCU also offers standalone construction only financing.
Additional Resources
A Roadmap to Building Your Home
We've created this guide to help you prepare for your construction loan journey. Inside, you'll find the key documents, builder requirements, insurance information, and project milestones needed from application through final disbursement, helping make the process as smooth as possible.
Residential Construction Loan Checklist
Building a home takes careful planning, and we're here to help. This checklist outlines the construction-related items you'll need to provide, from property and builder information to plans, permits, insurance, and other required documentation, so you can stay organized every step of the way.
FAQs
The property must be located in one of the following cities, counties, or towns:
- Augusta County
- Albemarle County
- Allegheny County
- Bath County
- Buena Vista City
- Clarke County
- Covington City
- Frederick County
- Harrisonburg City
- Highland County
- Lexington City
- Nelson County
- Page County
- Rockbridge County
- Rockingham County
- Shenandoah County
- Staunton City
- Warren County
- Waynesboro City
- Winchester City
- Any town within the listed counties
Stick Built Homes, Modular Homes, Manufactured Homes (Double Wides), and Log Homes are allowed.
We will finance up to 90% loan to value (LTV).
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
© 2026 DuPont Community Credit Union