USDA Vs. FHA your options comparison in South-Burlington, Chittenden County, VT
In 2026, the USDA loan limit in South-Burlington, within Chittenden county, VT, is $303,600, whereas the FHA limit for a single-family home is $379,500.
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 South-Burlington, Chittenden, VT
Loan Type
Loan Limit
Down Payment
USDA
$303,600
0%
FHA
$379,500
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in South-Burlington, 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.
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.
