In 2026, the USDA loan limit for Waterbury, within Washington county, VT, is set at $336,500. In contrast, the FHA limit for a single-family home stands at $472,030.
Use the Lendersa® USDA loan calculator to compare current USDA and FHA rates, helping you determine the required income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, guiding you in selecting the best program in for your unique financial situation.
2026 Loan Limits and Down Payment Requirements in Waterbury, Washington County, VT
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Waterbury, VT
The aim of Lendersa® is to secure you the most suitable USDA or FHA loan without hassle. Choose one of three starting points to connect with lenders and explore USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively for rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA mortgages require no down payment.
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.
VCLF is a mission-driven, community-focused alternative lender. We make loans to local businesses, community organizations & nonprofits, child care providers and developers of affordable housing who don’t qualify for a loan from a traditional lender. We combine our loans with financial consulting and business development services.
Union Bank is a wholly-owned subsidiary of Union Bankshares, Inc. (UNB, traded on the NASDAQ Exchange). Headquartered in Morrisville, VT, since 1891, we are proud to be a community bank with a long record of service to the people and businesses of Northern Vermont and--more recently--Northern New Hampshire.
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 MSA Mortgage Team is committed to providing clients with high quality experience combined with low mortgage rates. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage bankers can help make your dreams come true.
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.
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.
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.
