USDA Vs. FHA your options comparison in Rutland, Rutland County, VT
In 2026, the USDA loan limit in Rutland, within Rutland county, VT, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates, identifying the income, credit, reserves, and documents you need to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Rutland, Rutland, VT
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Rutland, VT
The objective of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three starting points to engage with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Contrary to FHA loans, which require a minimum of 3.5% down payment, USDA mortgages require none.
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.
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.
1285 VA Cutoff Road, White River Junction, VT, 05001
Lends in Vermont
Vermont VA Federal Credit Union has been open since 1939. It's the 12th largest credit union in Vermont with assets totaling $32.41 Million and providing banking services to more than 2, 000 members as of March 2022.
The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services
Mascoma Bank is a mutually owned bank and not for sale. With no shareholders to please, we are committed to remaining independent and to re-investing profits in our community. Our first priority has always been—and always will be—you, our customers. We are different than other banks and give you the security of a long-term relationship.
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
"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."
