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USDA Home Loan Program

We empower Vermont homeowners.

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Committed to a more vibrant Vermont

We partner with the US Department of Agriculture’s Rural Development division to ensure that members have access to safe, secure, affordable housing.

Benefits

  • Star

    Efficiency Upgrades

    You can include the costs of energy efficiency upgrades like insulation and solar.

  • Wrench

    Repairs & rehab

    Perfect for repairs and rehabilitation measures associated with the purchase of an existing home.

  • Calendar

    lower interest rates

    This mortgage option makes buying a home more affordable.

Income limits

Income Limits

County

Income Limit for 1-4 People

Income Limit for 5-8 People

Ineligible regions: Burlington, South Burlington, Winooski, Essex Junction, southeast quadrant of Colchester. For more information from the USDA click here.

County

Addison County

Income Limit for 1-4 People

$84,400

Income Limit for 5-8 People

$111,400

County

Chittenden, Grand Isle & Franklin Counties

Income Limit for 1-4 People

$96,600

Income Limit for 5-8 People

$127,500

County

Bennington, Caledonia, Essex, Lamoille, Orange, Orleans, Rutland, Windham & Windsor Counties

Income Limit for 1-4 People

$93,750

Income Limit for 5-8 People

$123,750

County

Washington County

Income Limit for 1-4 People

$84,950

Income Limit for 5-8 People

$112,150

Estimate your monthly payment

Enter the amount you wish to borrow to purchase or refinance your home, then calculate your estimated monthly payment.

Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.

The homebuying process

  • Number 1

    Determine how much you can afford

    Use our handy home mortgage calculator to get a rough estimate of the price range you should be looking in.

  • Number 2

    Apply for a mortgage

    It’s best to get prequalified when you’re shopping for your home so you know how much you can afford. Once you’re ready to buy, you can finalize the mortgage application or begin one.

  • Number 3

    Track your status

    Easily upload and access documents, and keep track of your loan status, in one place in our easy-to-use Loan Status portal.

Apply for a USDA Home Loan

Apply online
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Disclosures

– Payment examples do not include amounts for taxes and insurance premiums and actual payment obligation may be greater than illustrated. APR = annual percentage rate.
– APR = annual percentage rate. Fixed rate mortgage payment example: A fixed rate loan of $180,000 for 30 years at a 3.750% interest and an APR of 3.800% is a $834.00 monthly payment.