USDA Loan Vs. FHA loan for Springfield, VT [Windsor County ]

For the year 2026, the USDA loan cap in Springfield, situated in the county of Windsor, VT, is established at $336,500. Meanwhile, the limit for FHA on a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to evaluate the prime USDA versus FHA rates available today. It also aids in identifying the income, credit, reserves, and documents necessary to qualify. Our sophisticated mortgage calculators enable detailed side-by-side comparisons of USDA, FHA, Conforming, and VA loan options, assisting your decision-making on the program in most tailored to your financial scenario.

Option Highlights for USDA and FHA Loans in Springfield, VT

Lendersa® aims to facilitate access to the most favorable USDA or FHA loan quickly and efficiently, minimizing hassle. Choose from three starting points that connect you to matching lenders and USDA loan offerings.

Lendersa's USDA loan application and matching results

Exploring USDA Loans in VT

The USDA home loan, guaranteed by the Department of Agriculture, is also known as the USDA rural development loan or mortgage, available only in rural areas. Differing from FHA loans that necessitate a 3.5% minimum down payment, the USDA loan completely eliminates any down payment requirement.

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Springfield Lenders
(802) 295-5104 Lender's profile and map Vermont VA Federal Credit Union 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
(603) 448-3650 Lender's profile and map Mascoma Savings Bank 263 Maple Street, White River Junction, VT, 05001 Lends in Vermont 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.
(888) 252-8932 Lender's profile and map Heritage Family Credit Union 30 Allen St, Rutland, VT, 05701 Lends in Vermont 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.
(802) 362-4874 Lender's profile and map Kittredge Mortgage Corporation 123 Bonnet Street, Manchester, VT, 05254 Lends in Vermont "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."