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Wondering about where mortgage rates are headed? Check out our latest Two-Month Mortgage Rate Forecast.

Wondering about where mortgage rates are headed? Check out our latest Two-Month Mortgage Rate Forecast.

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

2023 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 2023 FHA loan limits for each county in Vermont are below.

County Name One Family Two Family Three Family Four Family
Addison One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bennington One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Caledonia One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Chittenden One Family$492,200 Two Family$630,100 Three Family$761,650 Four Family$946,550
Essex One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Franklin One Family$492,200 Two Family$630,100 Three Family$761,650 Four Family$946,550
Grand Isle One Family$492,200 Two Family$630,100 Three Family$761,650 Four Family$946,550
Lamoille One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Orange One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Orleans One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Rutland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Washington One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Windham One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Windsor One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
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