USDA Loans in Vermont

USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.

Communities of 35,000 or less typically qualify for a USDA Rural Development Loan, which means that almost all of Vermont will qualify. In addition to community size, another important qualification is income level. The maximum income level to be eligible for a USDA loan is based on household size and varies from county to county. The table below shows the income levels that cannot be exceeded by county for different household sizes.

Homes with a well or septic system are eligible for a USDA Rural Development Loan but will need to pass state and local standards for water purity. This is easily done by obtaining a kit from your local health department, gathering a sample and returning to them to make sure the water’s bacteria level is safe for drinking. Another option (which may not always be available) is to have the home inspector run this test during the home inspection.

If you would like more information on seeing if you qualify for a USDA Rural Development home loan, contact an agent today at 1-855-900-USDA.

County Name Family of 1-4 Family of 5-8
Addison $84,400 $111,400
Bennington $78,200 $103,200
Caledonia $78,200 $103,200
Chittenden $96,600 $127,500
Essex $78,200 $103,200
Franklin $96,600 $127,500
Grand Isle $96,600 $127,500
Lamoille $78,900 $104,150
Orange $78,200 $103,200
Orleans $78,200 $103,200
Rutland $78,200 $103,200
Washington $84,950 $112,150
Windham $78,200 $103,200
Windsor $84,150 $111,100
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