USDA Vs. FHA your options comparison in Williston, Chittenden County, VT
During 2026, the USDA loan limit in Williston, located within Chittenden county of VT, is set at $347,700. However, the FHA cap for a single-family home is $492,200.
Explore Lendersa® USDA loan calculator to weigh the competitive USDA and FHA rates for today. Determine the necessary qualifications, including income, credit, reserves, and documentation requirements. Our sophisticated mortgage calculators present USDA, FHA, Conforming, and VA options side by side, assisting you in determining the ideal program in for your specific financial scenario.
2026 Loan Limits and Down Payment Requirements in Williston, Chittenden County, VT
Loan Type
Loan Limit
Down Payment
USDA
$347,700
0%
FHA
$492,200
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Williston, VT
The primary goal of Lendersa® is to facilitate your access to the most competitive USDA or FHA loan swiftly and without inconvenience. Opt from one of three approaches that effectively match you with lenders and explore USDA loan options.
A USDA home loan is government-backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is exclusively offered in rural localities. Unlike FHA loans, which require a minimum 3.5% down payment, a USDA mortgage requires no down payment at all.
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.
Vermont Home Mortgage Group is committed to helping you find the right mortgage product for your needs. Paul Cannizzaro brings 31 years of experience in mortgage lending in Vermont. As an award winning mortgage broker for Bank of Vermont, BancBoston Mortgage Corporation and Vermont Federal Bank.
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.
Vermont Federal Credit Union was founded in 1953 as the Burlington Postal Employees Credit Union. Just a short time later, the Credit Union was renamed to the U.S. Government Employees Credit Union of Chittenden County. Our connection to these roots remains strong as many government employees in Vermont are still loyal members.
NorthCountry Federal Credit Union IN 1950, the employees of General Electric in Burlington, Vermont organized a credit union. The goal was to lend and borrow from one another at rates better than those offered by commercial banks. Over time, that little financial cooperative has grown into one of Vermont’s largest and most innovative credit unions.
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
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.
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.
Spruce Mortgage, we understand what Vermont Homebuyers want – low mortgage rates, a quick turnaround, and honest advice. We know, because we’re Vermonters, too. Offering complimentary pre-approvals, loan estimates, and rate locks, it is no surprise as to why so many people choose us over our competitors
