USDA Vs. FHA your options comparison in Shelburne, Chittenden County, VT
In the year 2026, the USDA loan limit for Shelburne, within Chittenden, VT, amounts to $347,700. On the other hand, the FHA cap for a single-family home is $492,200.
Utilize the Lendersa® USDA loan calculator to evaluate today's leading USDA against FHA rates, helping you ascertain the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA, assisting you in choosing the best program in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Shelburne, Chittenden County, VT
Loan Type
Loan Limit
Down Payment
USDA
$347,700
0%
FHA
$492,200
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Shelburne, VT
The purpose of Lendersa® is to help you secure the best possible USDA or FHA loan quickly and easily. Start with one of three paths to match with lenders and find USDA loan programs.
The USDA home loan is a government-backed program from the Department of Agriculture, also known as a USDA rural development loan or mortgage, and it's available only in rural areas. Unlike FHA loans that need a minimum of 3.5% down payment, a USDA mortgage requires no down payment at all.
Vermont Home Mortgage Group is committed to helping you find the right mortgage product for your needs. Paul Cannizzaro brings 31 years of experience in mortgage lending in Vermont. As an award winning mortgage broker for Bank of Vermont, BancBoston Mortgage Corporation and Vermont Federal Bank.
Vermont Federal Credit Union was founded in 1953 as the Burlington Postal Employees Credit Union. Just a short time later, the Credit Union was renamed to the U.S. Government Employees Credit Union of Chittenden County. Our connection to these roots remains strong as many government employees in Vermont are still loyal members.
NorthCountry Federal Credit Union IN 1950, the employees of General Electric in Burlington, Vermont organized a credit union. The goal was to lend and borrow from one another at rates better than those offered by commercial banks. Over time, that little financial cooperative has grown into one of Vermont’s largest and most innovative credit unions.
210 College Street, Suite 201, Burlington, VT, 05401
Lends in Vermont
Northfield Savings Bank is a local, community bank that provides full-service banking to individuals, families and businesses – from Home Mortgages, Home Equity Loans, Business Loans to Checking Accounts and Online Banking. With 13 branches across Central and Northwest Vermont, we are proud to be the largest bank headquartered in Vermont
Opportunities Credit Union is Vermont’s only community development credit union. Uniquely committed to Vermonters of low wealth, Opportunities’ mission is to build wealth, community, and opportunity through a fair and affordable financial system. Our primary market is Vermont’s 90, 000 low-income households.
Asaro Mortgage was established in 2011 in Burlington, Vermont. The owner and broker is James Asaro. He has over 10 years of mortgage experience and hundreds of satisfied customers. James has lived in Burlington since 1996 and is a graduate from both Champlain College and the University of Vermont.
Spruce Mortgage, we understand what Vermont Homebuyers want – low mortgage rates, a quick turnaround, and honest advice. We know, because we’re Vermonters, too. Offering complimentary pre-approvals, loan estimates, and rate locks, it is no surprise as to why so many people choose us over our competitors
135 College Street, Suite 1, Burlington, VT, 05401
Lends in Vermont
Vermont Mortgage Company is a trusted mortgage lending resource for Vermonters, and for soon to be Vermonters! Whether you are a first time home buyer, are buying a new home, are buying an investment property, or are refinancing your current mortgage; Vermont Mortgage Company will help guide you through.
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.
