As of 2025, the FHA loan limits applicable to Hardwick county, within the boundaries of Caledonia, VT, are strategically set to support a variety of residential sizes and needs. The limit for a single-family home is fixed at $472,030. For those seeking investments in two-unit properties, the maximum loan amount extends to $604,400. When it comes to buildings with three separate units, the cap rises to $730,525, while for four-unit structures, the permissible amount is $907,900. These guidelines create a comprehensive framework that accommodates the diverse scope of housing scenarios and financial plans within the county.
Considering conventional loans, the maximum borrowable amount for a single-family dwelling is $726,200. For homes housing two family units, this limit broadens to $929,850. In terms of three-unit properties, the upper boundary is set at $1,123,900, and for four-unit homes, the allowable financing peaks at $1,396,800. This tiered approach is designed to align lending solutions with varied residential requirements, offering structured financial guidance tailored to prospective homeowners' and investors' needs.
Use our advanced FHA calculator to navigate the present FHA market to uncover the best rates available today. This effective tool assists in determining downpayment needs, understanding income requirements, evaluating credit standards, assessing reserve needs, and ensuring all necessary documentation is in place for loan qualification. Utilizing this tool facilitates smoother financial planning and preparedness.
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The Lendersa® calculator is an invaluable resource, empowering users to compare FHA rates and terms with a broad spectrum of other advanced loan programs. This includes, but is not limited to, Conventional loans, Jumbo loans, VA, USDA, Non-QM, and flexible hard money loans. By offering such a wide array, users can explore and contrast options to find the most suitable chance that matches their financial goals and residential preferences.
Lendersa® collects extensive program data from a multitude of lenders to deliver rapid, insightful comparisons tailored to each user's unique financial profile. This ensures that individuals receive personalized information, reinforcing sound financial decision-making across various property financing scenarios.
For the year 2025, our Loan Limits Comparison Table in Hardwick county, part of Caledonia, VT, offers a detailed examination of maximum lending amounts across different loan categories. It encompasses FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To address and evaluate qualification criteria, such as income levels, reserve needs, and credit considerations, harness the capabilities of the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This specialized tool provides comprehensive analysis and professional insight to equip users with the knowledge required to navigate the lending landscape effectively.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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