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Vermont 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Vermont

Vermont has 14 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Addison County to a high of $946,550 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 ($907,900)
Highest Loan Limit ($946,550)

† 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 $472,030 $907,900 view details »
Bennington County $472,030 $907,900 view details »
Caledonia County $472,030 $907,900 view details »
Chittenden County $492,200 $946,550 view details »
Essex County $472,030 $907,900 view details »
Franklin County $492,200 $946,550 view details »
Grand Isle County $492,200 $946,550 view details »
Lamoille County $472,030 $907,900 view details »
Orange County $472,030 $907,900 view details »
Orleans County $472,030 $907,900 view details »
Rutland County $472,030 $907,900 view details »
Washington County $472,030 $907,900 view details »
Windham County $472,030 $907,900 view details »
Windsor County $472,030 $907,900 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 2023, the maximum loan limit in Vermont is $472,030 for a single-family home and $946,550 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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