Explore the differences! FHA VS Conventional loan programs in Fairfax, Franklin County, Vermont
In 2026, the conventional loan cap in Fairfax,
located in Franklin, VT, is set at $726,200,
while the FHA cap for a single-family home is designed at $492,200.
Leverage Lendersa®'s Conventional loan calculator to compare today's premier rates, evaluating options across Conventional, FHA, USDA, and VA offers. This helps determine the necessary income, credit, and reserves required for eligibility. Our advanced mortgage tool provides visibility of Conforming Conventional, USDA, FHA, and VA programs side by side, assisting in identifying the best match for your financial circumstances in VT.
Loan Limits and Down Payment Details for 2026 in Fairfax, Franklin, VT
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$347,700
0%
FHA
$492,200
3.5%
This comparison table is applicable for zip codes:
05454
Exploring Conventional and FHA Lending Choices in Fairfax, VT
Lendersa® aims to provide you with the best Conventional, USDA, or FHA loan options swiftly and easily. Choose from one of three strategic entry points that align you with suitable lenders and loan programs.
Peoples Trust Company was founded by an Act of the General Assembly of the State of Vermont on November 12, 1886. Since our inception, we have enjoyed a commitment to the Vermont tradition of service, quality and value. We believe that banking is about building relationships, making people’s lives easier, and helping folks realize their goals.
57 River Rd, Suite 1009, Essex Junction, VT, 05452
Lends in Vermont
Mansfield Mortgage is your local Vermont mortgage company. Helping Vermonters find the right home loan since 2006. Trying to find the right home loan can be difficult – finding the right mortgage company to help you get your loan can be even harder. With literally thousands of lenders to choose from borrowers can easily become overwhelmed.
Vermont Federal Credit Union was founded in 1953 as the Burlington Postal Employees Credit Union. Just a short time later, the Credit Union was renamed to the U.S. Government Employees Credit Union of Chittenden County. Our connection to these roots remains strong as many government employees in Vermont are still loyal members.
210 College Street, Suite 201, Burlington, VT, 05401
Lends in Vermont
Northfield Savings Bank is a local, community bank that provides full-service banking to individuals, families and businesses – from Home Mortgages, Home Equity Loans, Business Loans to Checking Accounts and Online Banking. With 13 branches across Central and Northwest Vermont, we are proud to be the largest bank headquartered in Vermont
Asaro Mortgage was established in 2011 in Burlington, Vermont. The owner and broker is James Asaro. He has over 10 years of mortgage experience and hundreds of satisfied customers. James has lived in Burlington since 1996 and is a graduate from both Champlain College and the University of Vermont.
Spruce Mortgage, we understand what Vermont Homebuyers want – low mortgage rates, a quick turnaround, and honest advice. We know, because we’re Vermonters, too. Offering complimentary pre-approvals, loan estimates, and rate locks, it is no surprise as to why so many people choose us over our competitors
135 College Street, Suite 1, Burlington, VT, 05401
Lends in Vermont
Vermont Mortgage Company is a trusted mortgage lending resource for Vermonters, and for soon to be Vermonters! Whether you are a first time home buyer, are buying a new home, are buying an investment property, or are refinancing your current mortgage; Vermont Mortgage Company will help guide you through.
NEFCU is the largest credit union in Vermont serving members who live, work or attend school in many Vermont counties and some in New Hampshire. The Credit Union has over $1 billion in assets and more than 85, 000 members. We constantly strive to provide local and affordable products that are in the best interest of our members.
