FHA Loan Limits in Vermont (2026)
For 2026, the FHA loan limit in most Vermont counties is $541,287 for a single-family home. Vermont has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Vermont
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Chittenden County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rutland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Windsor County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Windham County | $541,287 | $692,997 | $1,041,072 | Standard |
| Addison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bennington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Caledonia County | $541,287 | $692,997 | $1,041,072 | Standard |
| Orange County | $541,287 | $692,997 | $1,041,072 | Standard |
| Orleans County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lamoille County | $541,287 | $692,997 | $1,041,072 | Standard |
| Essex County | $541,287 | $692,997 | $1,041,072 | Standard |
| Grand Isle County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Vermont
FHA loans are popular with first-time buyers in Vermont because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Vermont for 2026?
- Most Vermont counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Vermont?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.