USDA Vs. FHA your options comparison in St.-Johnsbury, Caledonia County, VT
For the year 2026, the USDA loan limit in St.-Johnsbury, situated in Caledonia county within VT, is $285,000. In contrast, the FHA limit for a single-family residence is $356,362.
By using the Lendersa® USDA loan calculator, you can compare the finest USDA and FHA rates as of today, while determining the necessary income, credit score, reserves, and documents needed for qualification. Our sophisticated mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the optimal program in tailored to your financial circumstances.
2026 Loan Limits and Down Payment Requirements in St.-Johnsbury, Caledonia County, VT
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in St.-Johnsbury, VT
Lendersa® strives to provide you with the most suitable USDA or FHA loan without hassle, as swiftly as possible. Opt from three initial steps that align you with lenders specializing in USDA loan solutions.
The USDA home loan, endorsed by the Department of Agriculture, frequently referred to as a USDA rural development loan or mortgage, is available strictly in rural areas. Unlike FHA loans that mandate a minimum of 3.5% as a down payment, a USDA mortgage demands no down payment at all.
Passumpsic Bank is a community bank, 11 branches strong, proudly serving the Northeast Kingdom, Central Vermont and New Hampshire's North Country. Passumpsic Bank is a one of the few remaining mutually owned banks. We are committed to reinvesting profits in the communities we serve, because our first priority has always been—and always will be—you.
Northern Lights Credit Union is more than just a bank. As a full-service financial institution, NLCU offers all the consumer financial products you'd expect from a larger financial institution. Our priority is to provide low-fee or no-fee services with higher yields on savings and lower rates on loans.
Wells River Savings Bank (WRSB) has been providing personal and business banking products and services to the Upper Connecticut River Valley of Vermont and New Hampshire for more than 119 years. We take great pride in our tradition of friendly, personal service and our strong commitment to the community.
1311 U.S. Route 302-Berlin, Suite 700, Barre, VT, 05641
Lends in Vermont
As part of our current evolution, Green Mountain Credit Union is proud to showcase our new website. We now have the tools to bring you the most up to date information regarding activities, events, and the products and services we deliver to our members – all in an attractive and user-friendly mobile-responsive web interface.
802 Credit Union We offer a variety of mortgage programs to fit your buying, building or refinancing needs. As your trusted partner, our experienced mortgage staff will help find the best program for you, including 10, 15, and 30 year fixed, adjustable rate mortgages and construction loans.
Academy Mortgage, we believe that the American Dream is built upon sustainable homeownership. We recognize that what we do has a noble purpose and that we exist to make homeownership a reality for as many people as possible. It is our privilege to be a part of such an important milestone in our customers’ lives
VSECU is a credit union is a not-for-profit financial cooperative that is owned by its members. Profits go back to the member owners in the form of higher saving rates, lower loan rates, and affordable services. Credit unions do not exist to make a profit for the benefit of outside stockholders
The Credit Union came into being when nine employees of the Central Vermont Hospital petitioned the Commissioner of Banking to approve their application to form a credit union. On March 19th, 1970 the Articles of Association were submitted to the Commissioner’s office, and the application was approved by the Commissioner on April 2nd, 1970.
