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.
DCCU’s Construction Loans provide the flexible financing you need while you build a new home.
Features Include:
- Up to 90% LTV financing
- 12- month construction financing available
- Interest-only payments during construction
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!
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
Modular Homes, Manufactured Homes (Double Wides), Log Homes, and Stick Built homes are allowed.
- 80% of actual cost as indicated in purchase or construction contract OR 80% of the plans and specs appraisal, whichever is the lesser amount
- If self-contracted, 75% of actual cost as indicated in purchase or construction contract or 75% of the plans and specs appraisal, whichever is the lesser amount
- 80% of appraised value on jumbo, non-conforming loan amount transactions
Additional Resources
Mortgage
DCCU Homebuyer’s Guide: The Path to Homeownership
Whether you are an experienced homebuyer, or this is your first time, the DCCU Homebuyer's Guide will help you navigate the process and answer questions that may arise along the way.
View Guide
Mortgage
Four Benefits of Owning a Home
There are several advantages and disadvantages of home ownership, and having knowledge about the home buying process can help you get closer to realizing your dream.
Read Blog
Home Equity
Three Simple Ways to Increase Your Home's Value
Low maintenance renovations can be key to improving your home on a budget. Here are three simple ways to boost the equity in your home.
Read Blog
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