In 2025, the FHA loan limits for the city of Essex-Junction within Chittenden County, VT, are set at $379,500 for single-family homes, $485,800 for two-unit properties, $587,250 for three-unit homes, and $729,800 for four-unit buildings.
The maximum loan amounts for conventional loans on single-family residences are $548,250 for one unit, $702,000 for two units, $848,500 for three units, and $1,054,500 for four-unit structures.
Utilize our FHA calculator to examine today’s prime FHA rates and ascertain the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to review FHA rates and terms against those of other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® gathers loan data from thousands of lenders and quickly contrasts it with your unique financial scenario and requirements.
The Loan Limits Comparison Table for 2025 in Essex-Junction, within Chittenden, VT, provides an overview of FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money maximum loan amounts. For insights into qualification needs, such as income, reserves, and credit, you can use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $303,600 | $303,600 | $303,600 | $303,600 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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