USDA Vs. FHA your options comparison in Richmond, Chittenden County, VT
In the year 2025, the USDA loan limit for a single-family home in Richmond, located in Chittenden county, VT, is $347,700, while the FHA limit is $492,200.
Take advantage of the Lendersa® USDA loan calculator to assess current USDA vs. FHA rates. This tool helps you determine the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side to aid you in selecting the best program for your financial needs in .
2025 Loan Limits and Downpayment Needs in Richmond, Chittenden County, VT
Loan Type
Loan Limit
Down Payment
USDA
$347,700
0%
FHA
$492,200
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Richmond, VT
Lendersa® is dedicated to providing the best available USDA or FHA loans quickly and easily. Choose one of three starting points that connect you with matching lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans have no down payment requirement.
Impact Bank was created by the April 2, 2012 merger of Caldwell State Bank and First National Bank in Wellington. Both financial institutions were healthy, long-standing community banks serving local families and businesses for generations. Caldwell State Bank was founded in 1928 and First National Bank in Wellington began in 1879.
The Bank of Commerce and Trust Company, formerly known as the National Bank of Commerce, can trace its roots to the oldest bank in Wellington, the Woods Bank. In October of 1873 Mr. John J. Woods opened the Woods Bank at the southwest corner of Washington and 7th Streets in a frame building. For several years,
Mutual is your hometown servicer of mortgage loans. You can rest assured, when you choose Mutual, you’re not only choosing a safe and secure option for your loans, but also a local bank with local underwriting. We have been financing homes here for 130 years. We not only know the neighborhoods, we live in them.
Originally chartered in 1935, GNO was organized by employees of the New Orleans Bell Telephone Employees Federal Credit Union. Their goal, as was the goal of all company credit unions, was to provide a safe haven for their employees to save and then borrow from that pool of savings to achieve their dreams in life.
At Southern States Mortgage, we treat each client as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We provide specialized home-buying and refinancing services, and our approach is focused on addressing their needs and financial situations throughout the entire real estate financing process. We're experienced, trustworthy, and always reachable. No matter the question, We are here to provide answers.
PierPoint Mortgage originates the full spectrum of residential mortgages including conventional, FHA, VA, Rural Development, new construction, jumbo financing and is a Reverse Mortgage Specialist. If you need assistance with any mortgage produce please call 231-737-9911 or visit www.pierpointmortgage.com
Garden Plain State Bank was granted a charter by the Kansas Banking Commission in December of 1966. The bank opened in Garden Plain Kansas on December 21, 1966. The bank enjoyed a steady growth since its inception and then made a decision to expand into the Wichita Kansas market.
