FHA VS Conventional loan programs in St.-Albans, Franklin County, Vermont
For 2026, the maximum allowable for a conventional loan in St.-Albans, specifically in Franklin County, VT, is $647,200, whereas the FHA upper limit is $434,700 for one-family residences.
Explore the Lendersa® Conventional loan calculator to evaluate today's top Conventional, FHA, and USDA rates, assessing necessary Income, credit, reserves, and documentation for eligibility. With our enhanced mortgage calculator, compare Conforming, USDA, FHA, and VA loans side-by-side to find the optimal program for your financial goals in VT.
Loan limits and down payment specifics for 2026 in St.-Albans, Franklin County, VT
Type of Loan
Limit
Minimum Down Payment
Conventional Conforming
$647,200
3%
USDA
$303,600
0%
FHA
$434,700
3.5%
These details correspond to zip codes: 05478
Options for Conventional and FHA loans in St.-Albans, VT
Lendersa® is dedicated to helping you secure the most advantageous Conventional, USDA, or FHA loan promptly and effortlessly. Initiate the process by selecting from three pathways for matching lenders and 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.
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.
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.
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.
