USDA Loan Vs. FHA loan for Charlotte, VT 2025

In 2025, the USDA loan limit for a single-family residence in Charlotte, Chittenden county, VT is set at $347,700. Meanwhile, the FHA limit is $492,200.

Use the Lendersa® USDA loan calculator to contrast today's top USDA versus FHA rates, and assess the required income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator enables side-by-side comparisons of USDA, FHA, Conforming, and VA options, helping evaluate the best-fitting program for your financial needs within .

USDA and FHA Loan Choices in Charlotte, VT

Lendersa® focuses on securing the best possible USDA or FHA loan quickly and without difficulty. Choose from three starting paths that link you with suitable lenders and navigate USDA loan programs.

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Understanding USDA Loan in VT

A USDA home loan, guaranteed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans are offered with no down payment requirement.

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(802) 334-1844 Lender's profile and map Reviews Northeast Schools and Hospital Credit Union 189 East Main Street, Suite C, Newport, VT, 05855 Northeast Schools and Hospital Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, NSHCU will continue a sound yet progressive asset management strategy
(603) 747-2735 Lender's profile and map Reviews Woodsville Guaranty Savings Bank 63 Central Street, Woodsville, NH, 03785 Woodsville Guaranty Savings Bank is a locally owned and operated community bank, serving the people, businesses, and communities of northern New Hampshire and northeastern Vermont. The bank has nine North Country offices, located in the communities of Woodsville, Piermont, Lisbon, Littleton, Lancaster, Plymouth, and Franconia, New Hampshire.
(518) 926-4700 Lender's profile and map Reviews Parks Heritage FCU 5 Murray Street, Glens Falls, NY, 12801 Parks Heritage Federal Credit Union is proud to be a part of the rich history of the Glens Falls region. We celebrate our heritage every day in the form of our name. Originally founded in 1965, Parks Heritage Federal Credit Union is the chosen financial institution for medical service related professionals that care for our communities.
(518) 793-9502 Lender's profile and map Reviews Cooper's Cave Federal Credit Union 92 Dix Avenue, Glens Falls, NY, 12801 Cooper’s Cave Federal Credit Union, created by Finch Pruyn employees and chartered in 1958, remains a not-for-profit institution owned by you, our member. Cooper’s Cave FCU presently serves some 2, 450 members, with approximately $20 million in assets. Membership in this credit union is open to residents of Warren County,
(518) 793-4121 Lender's profile and map Reviews Glens Falls National Bank and Trust Company 250 Glen Street, Glens Falls, NY, 12801 "As a full-service commercial bank, we offer a broad range of financial services, including: Online and mobile banking Consumer and commercial loans Trust and retirement services Money market and deposit accounts Wealth management Insurance services Since 1851, we have been serving this region and helping our neighbors achieve their f
(802) 362-4874 Lender's profile and map Reviews Kittredge Mortgage Corporation 123 Bonnet Street, Manchester, VT, 05254 "Kittredge Mortgage Corporation holds a Lenders License in Vermont. We finance one to four family homes, condominiums and planned unit developments. The properties may be primary homes, vacation homes or investment properties. Kittredge Mortgage Corporation has always been adaptable to change."
(518) 886-3400 Lender's profile and map Reviews Hudson River Community Credit Union One Third Street, Corinth, NY, 12822 Hudson River Community Credit Union (HRCCU) was founded in 1954 by the employees of International Paper Company in Corinth, New York as IPCO Federal Credit Union. Today, HRCCU is a state-chartered community credit union. Anyone who lives, works, worships, or attends school located within Saratoga, Warren, Washington,
(800) 439-7781 Lender's profile and map Reviews NH Community Federal Credit Union 98 Charlestown Road, Claremont, NH, 03743 The NH Community Federal Credit Union was organized in 1959 for the employees of Joy Manufacturing. A subsequent change of its charter now allows membership eligibility to all individuals who live or work in Sullivan County. The purpose of the Credit Union is to promote thrift among its members, and to create a source of credit for provident
(603) 542-7711 Lender's profile and map Reviews Claremont Savings Bank 145 Broad Street, Claremont, NH, 03743 Claremont Savings Bank is a mutual savings bank founded in 1907 primarily serving the communities of Claremont, Charlestown, and Cornish, New Hampshire. It is overseen by a Board of Trustees that are selected by and from the group of Corporators who represent the interests of the depositors, borrowers, and communities that the Bank serves.
(603) 863-3000 Lender's profile and map Reviews Sugar River Bank PO Box 569, Newport, NH, 03773 Sugar River Savings Bank was founded in 1895 by a group of local businessmen who saw the need for a local bank, managed by local people who were committed to the growth and prosperity of the community. As a mutual bank, headquartered in Newport, NH, we service the surrounding communities of Newport, Sunapee, New London, Grantham, Warner, Bradford
(518) 584-5844 Lender's profile and map Reviews The Adirondack Trust Company 473 Broadway, Saratoga Springs, NY, 12866 We’re the Adirondack Trust Company, and we go above and beyond to create solutions for people, businesses and our community. As a successful independent Bank that’s been serving this area for more than a century, we are vested in your success and committed to taking you and our community to greater heights.