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 Loans Agent at 1-866-854-4242.

Vermont’s USDA Loan Income Limits by County

There are a few other restrictions which affect USDA 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

Quick Scroll
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 45900 45900 45900 45900 60600 60600 60600 60600
Apply Now LOW INCOME 71900 71900 71900 71900 94900 94900 94900 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Addison County, VT
VERY LOW INCOME 37900 37900 37900 37900 50050 50050 50050 50050
Apply Now LOW INCOME 60650 60650 60650 60650 80050 80050 80050 80050
MOD.INC-GUAR.LOAN 87200 87200 87200 87200 115100 115100 115100 115100
Bennington County, VT
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950
Caledonia County, VT
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950
Essex County, VT
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950
Lamoille County, VT
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950
Orange County, VT
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950
Orleans County, VT
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950
Rutland County, VT
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950
Washington County, VT
VERY LOW INCOME 38850 38850 38850 38850 51300 51300 51300 51300
Apply Now LOW INCOME 62150 62150 62150 62150 82050 82050 82050 82050
MOD.INC-GUAR.LOAN 89350 89350 89350 89350 117950 117950 117950 117950
Windham County, VT
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950
Windsor County, VT
VERY LOW INCOME 37250 37250 37250 37250 49200 49200 49200 49200
Apply Now LOW INCOME 59600 59600 59600 59600 78650 78650 78650 78650
MOD.INC-GUAR.LOAN 87100 87100 87100 87100 114950 114950 114950 114950

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