If you are looking for a home in the picturesque state of Vermont, you probably already understand the beauty the area has to offer. With its stunning landscape, rolling hills, country roads, and postcard villages, Vermont is like a dream destination, offering you the perfect place to settle down, raise a family, or retire.

The good news is that with the help of Consumer Real Estate Finance Co., realizing your dream of homeownership just got a little easier. By bringing awareness of the USDA Rural Development Loan program to this great state, the citizens of Vermont can benefit from:

  • No Maximum Loan Amount on Vermont Property
  • Flexible Credit Guidelines for Qualifying Vermont Residents
  • Low Fixed Interest Rates
  • Both New and Existing Properties May Qualify

Vermont Areas that Qualify for Rural Development Loans

Keep in mind that the USDA loan program was created to help build the nation’s rural areas. Because of this, homes located within major cities are not USDA Loan Eligible.

The good news is that a surprisingly large number of Vermont homes do qualify, some of which lie just outside of major metropolitan areas. To be eligible, the Vermont property must be located outside of city limits and within an area of less than 20,000 residents. For more information on Vermont USDA Loan eligibility requirements, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Vermont’s USDA Loan Income Limits by County

There are a few other restrictions which affect USDA Loan eligibility:

  • Credit History: The USDA Loan program does not have a strict credit score guideline. Rather, it evaluates your credit history in an effort to ascertain your willingness to meet repayment obligations.
  • Income Limits: If the home is in an eligible area, you must not exceed the current yearly USDA income limit set for your county. View the chart below for a list of Vermont USDA Loan Income Limits by county.

Vermont USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

STATE:VERMONT PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Burlington-South Burlington VT MSA VERY LOW INCOME 28100 32100 36100 40100 43350 46550 49750 52950
LOW INCOME 44750 51100 57500 63900 69000 74100 79250 84350
MOD.INC-GUAR.LOAN 91850 91850 91850 91850 121250 121250 121250 121250
Addison County VT VERY LOW INCOME 25450 29050 32700 36300 39250 42150 45050 47950
LOW INCOME 40650 46500 52300 58100 62750 67400 72050 76700
MOD.INC-GUAR.LOAN 83500 83500 83500 83500 110200 110200 110200 110200
Bennington County VT VERY LOW INCOME 22600 25800 29050 32250 34850 37450 40000 42600
LOW INCOME 36100 41300 46450 51600 55750 59850 64000 68100
MOD.INC-GUAR.LOAN 76500 76500 76500 76500 101000 101000 101000 101000
Caledonia County VT VERY LOW INCOME 22450 25650 28850 32050 34650 37200 39750 42350
LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 76500 76500 76500 76500 101000 101000 101000 101000
Essex County VT VERY LOW INCOME 22450 25650 28850 32050 34650 37200 39750 42350
LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 76500 76500 76500 76500 101000 101000 101000 101000
Lamoille County VT VERY LOW INCOME 23550 26900 30250 33600 36300 39000 41700 44400
LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
MOD.INC-GUAR.LOAN 77250 77250 77250 77250 101950 101950 101950 101950
Orange County VT VERY LOW INCOME 22800 26050 29300 32550 35200 37800 40400 43000
LOW INCOME 36450 41700 46900 52100 56250 60450 64600 68750
MOD.INC-GUAR.LOAN 76500 76500 76500 76500 101000 101000 101000 101000
Orleans County VT VERY LOW INCOME 22450 25650 28850 32050 34650 37200 39750 42350
LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 76500 76500 76500 76500 101000 101000 101000 101000
Rutland County VT VERY LOW INCOME 22450 25650 28850 32050 34650 37200 39750 42350
LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 76500 76500 76500 76500 101000 101000 101000 101000
Washington County VT VERY LOW INCOME 25350 28950 32550 36150 39050 41950 44850 47750
LOW INCOME 40500 46300 52050 57850 62500 67100 71750 76350
MOD.INC-GUAR.LOAN 83150 83150 83150 83150 109750 109750 109750 109750
Windham County VT VERY LOW INCOME 22450 25650 28850 32050 34650 37200 39750 42350
LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 76500 76500 76500 76500 101000 101000 101000 101000
Windsor County VT VERY LOW INCOME 24400 27850 31350 34800 37600 40400 43200 45950
LOW INCOME 39000 44550 50150 55700 60150 64600 69050 73500
MOD.INC-GUAR.LOAN 80050 80050 80050 80050 105650 105650 105650 105650

Remember, Consumer Real Estate Finance Co. is here to answer all your questions. For help applying for a Vermont USDA Loan, contact us today.