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
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Efficiency Upgrades
You can include the costs of energy efficiency upgrades like insulation and solar.
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Repairs & rehab
Perfect for repairs and rehabilitation measures associated with the purchase of an existing home.
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lower interest rates
This mortgage option makes buying a home more affordable.
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. |
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|
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
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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.
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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.
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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
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.