USDA Loan Vs. FHA loan pro & con St.-Albans, Franklin County, VT

As of 2026, the USDA loan limit for St.-Albans in Franklin county of VT is set at $303,600, whereas the FHA limit for a single-family home is $379,500.

Utilize the Lendersa® USDA loan calculator for comparing the best current USDA and FHA rates. It helps assess the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, guiding you to the most suitable program in for your personal financial case.

Options for USDA and FHA Loans in St.-Albans, VT

Lendersa® aims to secure the best USDA or FHA loan for you swiftly and without hassle. Start with one of three options to find matching lenders and explore USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in VT

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusive to rural areas. Unlike FHA loans which need a 3.5% minimum down payment, the USDA loan requires no down payment at all.

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St.-Albans Lenders
(802) 782-6376 Lender's profile and map PEOPLES TRUST COMPANY OF ST ALBANS 25 Kingman Street, Saint Albans, VT, 05478 Lends in Vermont Peoples Trust Company was founded by an Act of the General Assembly of the State of Vermont on November 12, 1886. Since our inception, we have enjoyed a commitment to the Vermont tradition of service, quality and value. We believe that banking is about building relationships, making people’s lives easier, and helping folks realize their goals.
(802) 879-4200 Lender's profile and map Mansfield Mortgage Professionals 57 River Rd, Suite 1009, Essex Junction, VT, 05452 Lends in Vermont Mansfield Mortgage is your local Vermont mortgage company. Helping Vermonters find the right home loan since 2006. Trying to find the right home loan can be difficult – finding the right mortgage company to help you get your loan can be even harder. With literally thousands of lenders to choose from borrowers can easily become overwhelmed.
(802) 871-4480 Lender's profile and map Northfield Savings Bank 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
(802) 654-4540 Lender's profile and map Opportunities Credit Union 25 Winooski Falls Way, Burlington, VT, 05401 Lends 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.
(802) 863-0563 Lender's profile and map Asaro Mortgage, LLC 125 Bank Street, Suite 1, Burlington, VT, 05401 Lends in Vermont 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.