Virginia is a RECOURSE State:
(At least it was recently; things change quickly.)
For those reasons, you should check with a Real Estate Attorney in Virginia:
The Lender could file a Deficiency Suit against you for the amount they lost.
The Time limitations on this could vary.
Every State has different rules and regs.
The IRS should be no problem, at least through this year.
I would hope that you are still paying the property taxes and Insurance.
Good luck and may God bless