USDA Vs. FHA your options comparison in Middlebury, Addison County, VT

As of 2025, 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.

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2025 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.

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Understanding USDA Loans in VT

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.

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



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