FHA VS Conventional loan programs in Middlebury, Addison County, Vermont
During 2026, the conventional loan limit in Middlebury, within the county of Addison, VT, is set at $726,200. Concurrently, the FHA limit for a single-family home is designated as $472,030.
Leverage the Lendersa® Conventional loan calculator to assess current top rates among Conventional, FHA, and USDA loans. It determines necessary qualifications for income, credit, reserves, and needed documents. Our sophisticated mortgage calculator aligns side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA to select the best suited program for your financial needs in VT.
Loan limits and down payment details for 2026 in Middlebury, county of Addison, VT
Type of Loan
Maximum Limit
Initial Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The details in this table pertain to the zip codes: 05740
Explore Conventional and FHA loan opportunities in Middlebury, VT
Lendersa® strives to promptly provide you with the most efficient Conventional, USDA, or FHA loan, eliminating unnecessary hassle. Choose from one of three initial paths to connect with matching lenders and loan plans.
Bristol Financial Services offers financial services for individuals and businesses. Our foremost commitment is to our clients. The most important part of our job is to help people reach their financial objectives and help business owners with their financial strategies and benefits packages.
The White River Credit Union is a full service, member-owned, not-for-profit financial institution. Our members comprise a radius around the Bethel, Randolph, & Rochester area. The White River Credit Union was formed in 1947 when five citizens in Rochester, Vermont wanted to create a small, friendly lending co-op to service the valley community.
The MSA Mortgage Team is committed to providing clients with high quality experience combined with low mortgage rates. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage bankers can help make your dreams come true.
The purpose of the Heritage Family Credit Union is to provide friendly, personable, high quality services for the entire family. The Credit Union will strive to offer convenient, cost effective services while maintaining financial stability. Heritage Family Credit Union’s vision is families prospering through cooperation.
NeighborWorks of Western Vermont, we are all things home. We work to help Vermonters become educated about finances and homeownership, find homes to purchase, get the loans they need to buy homes, and renovate their existing homes to make them healthy, safe, and affordable. We believe that homeownership and connected neighborhoods support people.
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.
VCLF is a mission-driven, community-focused alternative lender. We make loans to local businesses, community organizations & nonprofits, child care providers and developers of affordable housing who don’t qualify for a loan from a traditional lender. We combine our loans with financial consulting and business development services.
