FHA VS Conventional loan in Colchester, Chittenden County, Vermont

As of 2025, the Conventional loan limit in Colchester, which is located within Chittenden county, VT, is set at $726,200. Meanwhile, the FHA limit applicable for a single-family home stands at $492,200. These values are essential for potential buyers to strategize their financing. Understanding these limits aids in budgeting for home purchases by delineating the maximum borrowing capacities available through these loan categories.

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Utilize the advanced Lendersa® Conventional loan calculator to analyze and compare the most competitive rates available today among Conventional, FHA, and USDA loans. This tool helps you determine essential criteria like income, credit score, financial reserves, and necessary documents for qualification. Our sophisticated mortgage calculator presents Conforming Conventional loans, USDA, FHA, and VA options side by side, guiding you in selecting the program in VT that best fits your financial needs.

Delve into a wide assortment of loan offers from 100 different lenders to find the ideal fit for your unique financial goals.

2025 Loan Limits and Downpayment Requirements in Colchester, County of Chittenden, VT

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3% - Recognized as a minimal entry threshold, making homeownership more accessible.
USDA $347,700 0% - Offers a no down payment solution, particularly appealing to rural area borrowers.
FHA $492,200 3.5% - Favored for flexibility with respect to credit scores, catering well to first-time buyers.

This comprehensive comparison table is applicable to the following zip codes: 05439, 05446, 05449, 05466, providing tailored insights for buyers based on location.

Explore Various Conventional and FHA Loan Options in Colchester, VT

The mission of Lendersa® is to swiftly connect you with the finest Conventional, USDA, or FHA loan without unnecessary complications. Start by choosing one of the three pathways designed to effectively match you with suitable lenders and customized loan programs that align perfectly with your distinct financial circumstances.

  1. Craft a comprehensive request tailored for optimizing Conventional/USDA/FHA loans
  2. Investigate current rates & terms for USDA and FHA loans, laying the groundwork for well-informed decisions
  3. Explore the extensive database of Conventional lenders, expanding your range of financing options
Discover detailed results from Lendersa's USDA loan request and matching process



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  • MDO Mortgage LLC
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  • Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Mass Home Mortgage Co
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  • First Priority Credit Union is a Massachusetts state-chartered credit union that began providing banking products and services to members in 1924. FPCU membership originally included United States Postal Employees, retirees and their family, but over the years has grown to include those that live or work in Suffolk and Essex Counties

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  • Energy Credit Union
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  • NorthEast Mortgage Associates Inc
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  • At NorthEast Mortgage Associates, Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates.
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