USDA Vs. FHA your options comparison in Barre, Washington County, VT

In 2026, the USDA loan limit for Barre in Washington county, VT, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to examine today's optimal USDA vs. FHA rates and determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator presents the USDA, FHA, Conforming, and VA loan options side by side, aiding you in deciding which program in best fits your financial criteria.

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Loan Limits and Down Payment Requirements for 2026 in Barre, Washington, VT

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Navigating USDA and FHA Loan Opportunities in Barre, VT

Lendersa® strives to provide you with the best USDA or FHA loan quickly and without hassle. Choose from one of three approaches to identify matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in VT

A USDA home loan, insured by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is offered exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • KEY MORTGAGE SERVICES, INC.
  • 475 North Martingale Road, Suite 100, Schaumburg, IL, 60173
  • Key Mortgage is a full-service financial products provider consistently ranking among the top lenders in Chicagoland. The company has twice been named a Top Employer by National Mortgage Professional magazine and a top lender by Chicago Agent magazine. It has also been recognized for excellence both in Illinois and nationally by Ask a Lender.

  • Zachary Karp Mortgage Team
  • 1300 E Woodfield Rd, Suite 304, Schaumburg, IL, 60173
  • Zachary Karp Mortgage Team understands that a home is one of the most important financial decisions you’ll make. A home can have more value than just an investment though; it’s where you raise your family, become engulfed in a community, and never question the feeling of home.and Zachary Karp is your local and trusted Schaumburg mortgage lender.

  • HomeTrust Mortgage Corporation
  • 1475 E Woodfield Rd, Suite 110, Schaumburg, IL, 60173
  • HomeTrust Mortgage Corporation is a Mortgage Banker that provides high quality financial services to the public. HomeTrust was founded in 1995 It is our mission to provide high quality mortgage programs at the most competitive rates. We fund Conventional, FHA, VA, and Jumbo mortgages tailored to your unique situation.

  • First Bank & Trust (Illinois)
  • 300 East Northwest Hwy, Palatine, IL, 60067
  • Since our doors opened over 40 years ago, First Bank/Illinois has prided itself on serving as a dedicated community bank where its customers can feel like family While we are proud to have become a commercial real estate lending specialist with a national presence, we continue to offer our individual customers

  • Cornerstone National Bank and Trust Co
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  • Cornerstone National Bank & Trust Company. Cornerstone National Bank & Trust Company was founded in Palatine, IL in October 2000 on the principle of developing long-term relationships with individuals, families and small to medium-sized businesses by providing a full array of the highest quality financial products and services

  • Resource Plus Mortgage
  • 1619 Colonial Pkwy, Suite 201, Palatine, IL, 60067
  • The Resource Plus team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Expert Mortgage Associates Inc
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  • Expert Mortgage Associates provides lending knowledge to best structure your mortgage loan in order to make you look as financially solid as possible to a bank. With over 20 years of experience, Expert Mortgage Associates has thrived in the good and poor economic times by putting the client first.

  • Itasca Bank & Trust Co.
  • 308 W. Irving Park Road, Itasca, IL, 60143
  • Itasca Bank & Trust Co. would like the opportunity to earn your business. Our bankers take the time to get to know you, your objectives, and your strategic plan. We'll work with you to help uncover financing options available for managing your business and create a banking package tailored to your business needs.

  • Jefferson Financial Services, Inc.
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  • OnTime Mortgage Inc
  • 845 Midway Road, Suite 1, Willowbrook, IL, 60527
  • We're committed to building lifelong relationships with our clients and partners. Our vast lending knowledge, personalized service and latest technology will get you to the closing OnTime. Our staff will meet your needs quickly and accurately. We work for you and will honor that relationship with great service.