Vermont Mortgage Guides 2026
This complete Vermont mortgage guide covers 2026 FHA loan limits across all 14 counties, the $832,750 conforming limit, Vermont Housing Finance Agency loans and down payment assistance, USDA income limits, VA guidance including the 158th Fighter Wing, and a closing cost breakdown built on the state’s property transfer tax — in one place.
Everything You Need for a Vermont Home Purchase
Six in-depth guides covering every stage of buying a home in Vermont — from choosing a loan program to knowing exactly what you will pay at the closing table.
Vermont Mortgage Guide
FHA limits for all 14 Vermont counties, the $832,750 conforming limit, a loan program comparison, Vermont property taxes and the homestead declaration, the property transfer tax, and how the state’s regions shape your financing.
Read guide →Vermont First-Time Home Buyer Guide
VHFA’s MOVE, MOVE MCC and ADVANTAGE programs, ASSIST down payment help of up to $10,000, the $15,000 First Generation grant, income and purchase price limits, and who qualifies.
Read guide →Vermont FHA Loan Requirements
2026 FHA limits for all 14 Vermont counties, including the higher Chittenden, Franklin and Grand Isle limits, HUD’s credit and minimum investment rules, FHA mortgage insurance, and FHA with VHFA.
Read guide →Vermont VA Loan Requirements
VA entitlement and why full entitlement carries no county loan cap, the 2026 funding fee tables and exemptions, the 158th Fighter Wing and Vermont National Guard sites, and pairing VA with VHFA.
Read guide →Vermont USDA Loans
FY2026 USDA income limits for every Vermont county, how to check an address for eligibility, guarantee fees, and how zero-down USDA compares with FHA.
Read guide →Vermont Closing Costs Guide
Vermont’s property transfer tax and clean water surcharge, the principal residence and VHFA rates, the $15 per page recording fee, and a fee-by-fee breakdown for buyers and sellers.
Read guide →Key Vermont Mortgage Guide Facts
FHA Loan Limits (2026)
- 11 of 14 counties: $541,287
- Chittenden, Franklin and Grand Isle counties: $575,000
- Conforming limit, all 14 counties: $832,750
- HUD FHA mortgage limits lookup
VHFA Home Loans
- MOVE: often VHFA’s lowest interest rate
- ASSIST: up to $10,000, 0% deferred
- First Generation grant: $15,000
- MCC: federal tax credit up to $2,000 a year
- Vermont Housing Finance Agency
Property Taxes
- Est. effective rate: 1.59%
- Median annual real estate tax bill: $5,039
- Median owner-occupied home value: $316,600
- Homestead Declaration: file every year by the April deadline
- Census ACS 2020–2024 5-year table B25103
Closing Cost Highlights
- Transfer tax: 1.25%; 0.5% on the first $200,000 of a principal residence
- VHFA or USDA Rural Development mortgage: no tax on the first $250,000
- Recording: $15 per page
- 32 V.S.A. § 9602 property transfer tax
Buying or Refinancing in Vermont?
Vermont’s FHA limit is $541,287 in most of the state and $575,000 in Chittenden, Franklin and Grand Isle counties, the conforming limit is $832,750 everywhere, and VHFA’s income and purchase price limits change by county and program. Which of those apply to you changes what you can afford.
- ✓ Confirm current programs and limits at the Vermont Housing Finance Agency
- ✓ Check your county’s VHFA income and purchase price limits
- ✓ Find out whether your address is eligible for a USDA loan
- ✓ Compare a VHFA program against a straight FHA, VA or USDA loan
Coming soon · No obligation · Educational first
Vermont Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Vermont is on our expansion list. In the meantime, our Vermont guides and the official program links above have everything you need to research your purchase.
Join the Vermont Waitlist