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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Current FHA Mortgage Rates in VT- Vermont FHA Mortgage

Vermont Mortgages

2025 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 2025 FHA loan limits for each county in Vermont are below.

Select County
County Name One Family Two Family Three Family Four Family
Addison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bennington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Caledonia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chittenden One Family$575,000 Two Family$736,100 Three Family$889,800 Four Family$1,105,800
Essex One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$575,000 Two Family$736,100 Three Family$889,800 Four Family$1,105,800
Grand Isle One Family$575,000 Two Family$736,100 Three Family$889,800 Four Family$1,105,800
Lamoille One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Orange One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Orleans One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rutland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Windham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Windsor One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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