Vermont 2025 FHA Loan Limits
Loan Limits in Vermont
Vermont has 14 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Addison County to a high of $1,105,800 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.
Highest Loan Limit ($1,105,800)
† 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 | $524,225 | $1,008,300 | view details » |
| Bennington County | $524,225 | $1,008,300 | view details » |
| Caledonia County | $524,225 | $1,008,300 | view details » |
| Chittenden County | $575,000 | $1,105,800 | view details » |
| Essex County | $524,225 | $1,008,300 | view details » |
| Franklin County | $575,000 | $1,105,800 | view details » |
| Grand Isle County | $575,000 | $1,105,800 | view details » |
| Lamoille County | $524,225 | $1,008,300 | view details » |
| Orange County | $524,225 | $1,008,300 | view details » |
| Orleans County | $524,225 | $1,008,300 | view details » |
| Rutland County | $524,225 | $1,008,300 | view details » |
| Washington County | $524,225 | $1,008,300 | view details » |
| Windham County | $524,225 | $1,008,300 | view details » |
| Windsor County | $524,225 | $1,008,300 | 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 2025, the maximum loan limit in Vermont is $524,225 for a single-family home and $1,105,800 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.