FHA VS Conventional loan programs in St.-Johnsbury, Caledonia County, Vermont
For 2026, the conventional loan limit within St.-Johnsbury, Caledonia County, VT, is $647,200, while the FHA limit for a single-family home is set at $420,680.
The Lendersa® Conventional loan calculator can be utilized to compare current top rates among Conventional, FHA, and USDA loans. It helps identify necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, view side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options, assisting you in finding the most suitable program for your financial needs in VT.
2026 loan limits and down payment requirements in St.-Johnsbury, Caledonia, VT
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
The comparison table applies to zip codes: 05819
Conventional and FHA loan possibilities in St.-Johnsbury, VT
Lendersa® is committed to swiftly obtaining the most favorable Conventional, USDA, or FHA loan for you, free of hassles. Opt for one of three approaches to match with suitable lenders and loan programs.
Passumpsic Bank is a community bank, 11 branches strong, proudly serving the Northeast Kingdom, Central Vermont and New Hampshire's North Country. Passumpsic Bank is a one of the few remaining mutually owned banks. We are committed to reinvesting profits in the communities we serve, because our first priority has always been—and always will be—you.
Northern Lights Credit Union is more than just a bank. As a full-service financial institution, NLCU offers all the consumer financial products you'd expect from a larger financial institution. Our priority is to provide low-fee or no-fee services with higher yields on savings and lower rates on loans.
Wells River Savings Bank (WRSB) has been providing personal and business banking products and services to the Upper Connecticut River Valley of Vermont and New Hampshire for more than 119 years. We take great pride in our tradition of friendly, personal service and our strong commitment to the community.
Academy Mortgage, we believe that the American Dream is built upon sustainable homeownership. We recognize that what we do has a noble purpose and that we exist to make homeownership a reality for as many people as possible. It is our privilege to be a part of such an important milestone in our customers’ lives
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.
Union Bank is a wholly-owned subsidiary of Union Bankshares, Inc. (UNB, traded on the NASDAQ Exchange). Headquartered in Morrisville, VT, since 1891, we are proud to be a community bank with a long record of service to the people and businesses of Northern Vermont and--more recently--Northern New Hampshire.
Northeast Schools and Hospital Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, NSHCU will continue a sound yet progressive asset management strategy
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.
