For 2026, the FHA loan limits in Essex, part of Chittenden county in VT, are: $492,200 for a single-family home, $630,100 for two-unit dwellings, $761,650 for three-unit homes, and $946,550 for four-unit buildings.
The maximum allowable loan amounts for conventional loans are $726,200 for single-family homes, $929,850 for two dwellings, $1,123,900 for three units, and $1,396,800 for four-unit residences.
Our FHA calculator helps you see today’s best FHA rates, outlining the required downpayment, income, credit, reserves, and necessary documentation for qualification.
With the Lendersa® calculator, compare FHA rates and terms alongside a variety of other loan programs including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® collects data from thousands of lenders, providing rapid comparisons tailored to your financial needs and profile.
The Loan Limits Comparison Table for 2026 in Essex, found in the county of Chittenden, VT, showcases FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loan maximums. For qualification requirements such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $492,200 | $630,100 | $761,650 | $946,550 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $347,700 | $347,700 | $347,700 | $347,700 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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