In 2026, FHA loan limits within Washington, VT, covering Montpelier, are set at $472,030 for single-family homes, $604,400 for two units, $730,525 for three-unit residences, and $907,900 for four-unit buildings.
The maximum loan amounts for conventional loans reach $726,200 for single-family residences, $929,850 for two-unit homes, $1,123,900 for triplexes, and $1,396,800 for four-unit structures.
Utilize our FHA calculator to find the most competitive FHA rates today and determine the necessary downpayment, income verification, credit conditions, reserves, and documentation needed to qualify.
The Lendersa® calculator offers a way to compare FHA terms and rates with those of other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® gathers extensive data from thousands of lenders, providing rapid comparisons tailored to your financial profile and individual needs.
The Loan Limits Comparison Table for 2026 in Montpelier, under Washington, VT, presents maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money. Use Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit scores.
| 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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