Vermont 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Vermont

Vermont has 14 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Addison County to a high of $835,950 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 ($809,150)
Highest Loan Limit ($835,950)

† 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 $420,680 $809,150 view details »
Bennington County $420,680 $809,150 view details »
Caledonia County $420,680 $809,150 view details »
Chittenden County $434,700 $835,950 view details »
Essex County $420,680 $809,150 view details »
Franklin County $434,700 $835,950 view details »
Grand Isle County $434,700 $835,950 view details »
Lamoille County $420,680 $809,150 view details »
Orange County $420,680 $809,150 view details »
Orleans County $420,680 $809,150 view details »
Rutland County $420,680 $809,150 view details »
Washington County $420,680 $809,150 view details »
Windham County $420,680 $809,150 view details »
Windsor County $420,680 $809,150 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 2022, the maximum loan limit in Vermont is $420,680 for a single-family home and $835,950 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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