For 2026, the FHA loan limits in Milton, found in Chittenden County, VT, are structured as follows: $492,200 for single-family homes, $630,100 for two-unit properties, $761,650 for three-unit homes, and $946,550 for four-unit buildings.
For conventional loans, the maximum amounts are $726,200 for single-family houses, $929,850 for two-unit structures, $1,123,900 for triplexes, and $1,396,800 for quadruplexes.
Use our FHA calculator to determine the best FHA rates available today and to assess the necessary downpayment, income, credit rating, reserves, and required documentation for qualifying.
The Lendersa® calculator empowers you to compare the terms and rates of FHA loans against a variety of other lending programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
This tool rapidly assembles data from a multitude of lenders, offering a swift comparison against your individual financial profile and requirements.
Refer to our Loan Limits Comparison Table for 2026 in the Milton region within Chittenden County, VT. It compares maximum amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money lending options. To explore specific qualification needs such as income, reserves, and credit, utilize 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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