FHA VS Conventional loan programs in Richmond, Chittenden County, Vermont
In 2026, the limit for conventional loans in Richmond, within Chittenden, VT, stands at $726,200, whereas the FHA limit for a single-family home is set at $492,200.
Use the Lendersa® Conventional loan calculator to evaluate today's top rates among Conventional, FHA, USDA, and VA loans. Determine the requirements for income, credit, reserves, and documents essential for qualification. This advanced mortgage calculator provides a side-by-side comparison, helping you choose the best program tailored to your financial needs in VT.
Loan Limits and Down Payment Requirements for 2026 in Richmond, Chittenden, VT
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$347,700
0%
FHA
$492,200
3.5%
This table applies to the following zip codes: 5477
Options for Conventional and FHA Loans in Richmond, VT
The goal of Lendersa® is to efficiently secure the most viable Conventional, USDA, or FHA loan without undue hassle. Choose one of three starting strategies to connect with suitable lenders and loan programs.
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