USDA Vs. FHA your options comparison in Middlebury, Addison County, VT
As of 2026, the USDA loan limit within Middlebury, located in Addison county, VT, stands at $336,500. In contrast, the FHA cap for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. It will help you figure out the necessary income, credit score, reserves, and documents to qualify. Our advanced mortgage calculators display USDA, FHA, Conforming, and VA loans side by side, guiding you in selecting the best program in for your specific financial circumstances.
2026 Loan Limits and Down Payment Requirements in Middlebury, Addison County, VT
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Middlebury, VT
Lendersa® aims to provide you with the most suitable USDA or FHA loan quickly and without hassle. Select from one of three starting points that connect you with matching lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture and often called a USDA rural development loan or mortgage, is designed for rural areas only. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages eliminate the need for any down payment.
Founded in 1831, National Bank of Middlebury has served the needs of the people who live and work in west central Vermont for almost two centuries. We are a locally owned and managed independent bank and are proud to contribute to the local economies of the communities we serve. We are committed to helping our customers live their best lives by pro
Bristol Financial Services offers financial services for individuals and businesses. Our foremost commitment is to our clients. The most important part of our job is to help people reach their financial objectives and help business owners with their financial strategies and benefits packages.
The White River Credit Union is a full service, member-owned, not-for-profit financial institution. Our members comprise a radius around the Bethel, Randolph, & Rochester area. The White River Credit Union was formed in 1947 when five citizens in Rochester, Vermont wanted to create a small, friendly lending co-op to service the valley community.
The MSA Mortgage Team is committed to providing clients with high quality experience combined with low mortgage rates. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage bankers can help make your dreams come true.
The purpose of the Heritage Family Credit Union is to provide friendly, personable, high quality services for the entire family. The Credit Union will strive to offer convenient, cost effective services while maintaining financial stability. Heritage Family Credit Union’s vision is families prospering through cooperation.
NeighborWorks of Western Vermont, we are all things home. We work to help Vermonters become educated about finances and homeownership, find homes to purchase, get the loans they need to buy homes, and renovate their existing homes to make them healthy, safe, and affordable. We believe that homeownership and connected neighborhoods support people.
NEFCU is the largest credit union in Vermont serving members who live, work or attend school in many Vermont counties and some in New Hampshire. The Credit Union has over $1 billion in assets and more than 85, 000 members. We constantly strive to provide local and affordable products that are in the best interest of our members.
