Vermont 14-County 2026 Conforming ($832,750) and FHA ($541,287+) Loan Limits — Green Mountain Gist
Updated October 2026
Vermont’s 2026 one-unit conforming mortgage limit is $832,750 in every county. FHA limits are less uniform: the statewide floor is $541,287, while Chittenden, Franklin, Grand Isle, and Lamoille have higher limits. Identify the property’s county before deciding which financing options fit the amount you need to borrow.
Check all 14 counties
These figures concern one-unit properties. Two- to four-unit properties have different limits, and the loan amount—not the asking price—is what gets compared with the applicable ceiling.
| Vermont county | 2026 one-unit conforming limit | 2026 one-unit FHA treatment |
|---|---|---|
| Addison | $832,750 | $541,287 floor |
| Bennington | $832,750 | $541,287 floor |
| Caledonia | $832,750 | $541,287 floor |
| Chittenden | $832,750 | Higher county limit |
| Essex | $832,750 | $541,287 floor |
| Franklin | $832,750 | Higher county limit |
| Grand Isle | $832,750 | Higher county limit |
| Lamoille | $832,750 | Higher county limit |
| Orange | $832,750 | $541,287 floor |
| Orleans | $832,750 | $541,287 floor |
| Rutland | $832,750 | $541,287 floor |
| Washington | $832,750 | $541,287 floor |
| Windham | $832,750 | $541,287 floor |
| Windsor | $832,750 | $541,287 floor |
Chittenden, Franklin, and Grand Isle belong to the Burlington-South Burlington metropolitan area for this FHA distinction. Lamoille also has an elevated FHA limit. Retrieve the exact higher figure using HUD FHA Mortgage Limits for the county, year, and unit count. Confirm conventional ceilings through FHFA Loan Limits.
Translate a limit into a purchase budget
A $900,000 purchase with a $90,000 down payment produces an $810,000 base loan, below Vermont’s one-unit conforming ceiling. That does not establish approval: income, debts, credit, appraisal, mortgage insurance, and property eligibility still matter.
For FHA, distinguish the base mortgage amount from financed upfront mortgage insurance when reviewing the limit calculation with your lender. Do not compare the purchase price alone with the county ceiling.
Use the monthly payment calculator to compare down-payment scenarios. Include taxes, insurance, and any association dues rather than treating principal and interest as the complete payment.
Choose a program, not just a ceiling
A loan above $832,750 generally requires jumbo financing for a one-unit Vermont property. Below that amount, conventional financing is not automatically cheaper than FHA or VA. Mortgage insurance, funding fees, credit profile, and expected ownership length can change the comparison.
The Vermont mortgage options guide puts those tradeoffs together. Eligible buyers should also investigate VHFA assistance, which addresses cash-to-close needs but does not replace the underlying mortgage program’s loan limits or underwriting requirements.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
Loan Program Comparison: 2026 Benchmarks
Vermont 14 County 2026 Conforming ($832,750) and FHA ($541,287+) Loan Limits — Compare the 3.5% down option at 580+ FICO with 10% at 500–579, lender overlays, 1.75% upfront MIP and the applicable annual MIP tier.
Historical 2025 one-unit comparison: conforming $832,750; FHA floor $541,287. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
- Vermont Housing Finance Agency — state housing finance and property tax authority.
- Vermont Department of Taxes — state housing finance and property tax authority.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.