USDA Approved • Vermont Home Loans

Vermont USDA Loans

Dreaming of a home in Vermont? A USDA loan may be just the thing to help your dream become a reality.

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No obligation • Fast eligibility review • Vermont USDA specialists
Vermont USDA Snapshot
$119,850

Standard Income Limit (1–4 Person Household)

$197,100

Highest Listed 5+ Person Limit

100%

Financing (No Down Payment)

Income limits in Vermont vary by county and metro area, with higher limits in the Burlington metro and select counties.
$0
NO down payment – Finance 100% of your home
MX
NO maximum loan amount in Vermont.
AS
NO assets needed to qualify
CR
Flexible credit guidelines
FX
Competitive, fixed interest rates so payments do not increase
HM
USDA Loans are for new and existing properties

Eligibility Requirements – Vermont

No down payment or qualifying assets required, and no maximum loan amount mean that USDA loans are flexible enough to fit most any situation, and fixed interest rates mean that payments won't increase over time. For a family of 1-4 in Vermont, the average household income limit for a USDA loan is about $119,850 a year, and the limit can be as high as $197,100 for families of 5 or more.

Fill out the form above to get in touch with one of our USDA loan specialists and learn how to make that dream home yours.

Vermont USDA Eligibility Map

This map shows the areas of Vermont that are eligible for USDA loans. For more information on qualifying areas, head to the USDA property eligibility screen.

Vermont USDA loan eligibility map Check a property address

Vermont USDA Income Limits (Moderate Income – Guaranteed Loan)

Income limits in Vermont vary by county and metro area, with higher limits in the Burlington metro and select counties.

Area 1–4 Person 5+ Person
Standard Vermont Limit — Bennington, Caledonia, Essex, Lamoille, Orange, Orleans, Rutland & Windham Counties$123,850$163,500
Addison County, VT$133,550$176,300
Washington County, VT$126,950$167,600
Windsor County, VT$126,150$166,550
Burlington–South Burlington, VT MSA$149,300$197,100
Important: USDA income limits in Vermont are based on total household income and household size. This includes income from all adult household members, not just the borrower. If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).

USDA Home Loan Features

$0

No money down

For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home's value. That means no down payment of any kind!

%

Great interest rates

USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.

620

Need a 620 credit score

USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.

30

Affordable 30 year terms

USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.

CC

Roll in your closing costs

A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.

Check Your Vermont USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Vermont. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate and next steps
Get Pre-Qualified request a quick eligibility review
Vermont USDA Income Limit Notice

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

Ready to See If You Qualify for a Vermont USDA Loan?

Start your Vermont USDA home loan review today. A USDA loan specialist will contact you with your options.