USDA VS FHA in Waterbury, Washington County, VT

In 2025, 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.

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in VT

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



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