Vermont 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Vermont

Vermont has 14 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Addison County to a high of $729,800 for a 4-bedroom unit in Chittenden County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Vermont's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($685,400)
Highest Loan Limit ($729,800)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Vermont (14 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Addison County $356,362 $685,400 view details »
Bennington County $356,362 $685,400 view details »
Caledonia County $356,362 $685,400 view details »
Chittenden County $379,500 $729,800 view details »
Essex County $356,362 $685,400 view details »
Franklin County $379,500 $729,800 view details »
Grand Isle County $379,500 $729,800 view details »
Lamoille County $356,362 $685,400 view details »
Orange County $356,362 $685,400 view details »
Orleans County $356,362 $685,400 view details »
Rutland County $356,362 $685,400 view details »
Washington County $356,362 $685,400 view details »
Windham County $356,362 $685,400 view details »
Windsor County $356,362 $685,400 view details »

How to qualify for an FHA Loan in Vermont?

To qualify for an FHA loan in Vermont, your home loan must be below the local FHA loan limits in your area. For 2021, the maximum loan limit in Vermont is $356,362 for a single-family home and $729,800 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Vermont. Additional restricts apply. Click on the Vermont map above or the table below to see loan limits in your area.

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