For 2026, the USDA loan limit in Essex-Junction, located in Chittenden county of VT, is $303,600. Meanwhile, for a single-family home, the FHA limit is $379,500.
Use Lendersa® USDA loan calculator to contrast today's best USDA and FHA rates. It helps determine the income, credit, reserves, and document requirements needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loan comparisons side by side, assisting your decision on which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $303,600 | 0% |
| FHA | $379,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to ensure you obtain the best USDA or FHA loan quickly and easily. Choose from three beginnings that match lenders with the USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is exclusively accessible in rural communities. Unlike FHA loans that require a minimum 3.5% down payment, a USDA mortgage demands no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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