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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in VT- Vermont FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Vermont Mortgages

2024 FHA Loan Limits for Vermont

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Vermont are below.

County Name One Family Two Family Three Family Four Family
Addison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bennington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Caledonia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chittenden One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
Essex One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
Grand Isle One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
Lamoille One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Orange One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Orleans One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rutland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Windham One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Windsor One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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