Explore the differences! FHA VS Conventional loan programs in Waterbury, Washington County, Vermont
In 2026, the conventional loan limit in Waterbury, within Washington County, VT, stands at $726,200, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to evaluate today's best rates, comparing options across Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA options side by side, guiding you in selecting the right program for your specific financial circumstances in VT.
2026 Loan Limits and Down Payment Requirements in Waterbury, Washington, VT
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table is applicable to zip codes: 05677
Explore Conventional and FHA Loan Options in Waterbury, VT
Lendersa® aims to assist you in securing the most suitable Conventional, USDA, or FHA loan quickly and without hassle. Choose from among three starting points to connect with matching lenders and programs.
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.
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.
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.
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.
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
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.
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
