FHA Loan Calculator — Vermont
On the typical Vermont home ($399,000), 3.5% down leaves a $385,035 base loan. The 1.75% upfront premium ($6,738) is financed, for a $391,773 loan, and annual MIP of 0.55% adds $179 a month for the life of the loan. Vermont FHA limits run $541,287–$832,750 by county.
Vermont has the 5th-highest effective property tax rate of the 50 states at 1.51% — $2,394 more a year than the 0.91% state average on a $399,000 home. Homeowners insurance averages $1,063 a year, the 2nd-lowest premium nationally and $1,657 less than the typical state.
Loan Parameters
Total Monthly Payment
$3,384
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$549,405
Total Cost
$1,196,799
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $31,372 | $3,957 | $27,416 | $2,145 | $387,816 | $11,184 |
| Year 2 | $31,372 | $4,244 | $27,128 | $2,122 | $383,572 | $15,428 |
| Year 3 | $31,372 | $4,552 | $26,820 | $2,098 | $379,020 | $19,980 |
| Year 4 | $31,372 | $4,883 | $26,490 | $2,072 | $374,138 | $24,862 |
| Year 5 | $31,372 | $5,237 | $26,135 | $2,045 | $368,901 | $30,099 |
| Year 6 | $31,372 | $5,617 | $25,755 | $2,015 | $363,283 | $35,717 |
| Year 7 | $31,372 | $6,025 | $25,347 | $1,983 | $357,258 | $41,742 |
| Year 8 | $31,372 | $6,463 | $24,910 | $1,949 | $350,795 | $48,205 |
| Year 9 | $31,372 | $6,932 | $24,440 | $1,912 | $343,863 | $55,137 |
| Year 10 | $31,372 | $7,435 | $23,937 | $1,873 | $336,427 | $62,573 |
| Year 11 | $31,372 | $7,975 | $23,397 | $1,830 | $328,452 | $70,548 |
| Year 12 | $31,372 | $8,554 | $22,818 | $1,785 | $319,898 | $79,102 |
| Year 13 | $31,372 | $9,176 | $22,197 | $1,737 | $310,722 | $88,278 |
| Year 14 | $31,372 | $9,842 | $21,531 | $1,684 | $300,880 | $98,120 |
| Year 15 | $31,372 | $10,556 | $20,816 | $1,629 | $290,324 | $108,676 |
| Year 16 | $31,372 | $11,323 | $20,050 | $1,569 | $279,001 | $119,999 |
| Year 17 | $31,372 | $12,145 | $19,227 | $1,504 | $266,856 | $132,144 |
| Year 18 | $31,372 | $13,027 | $18,346 | $1,435 | $253,829 | $145,171 |
| Year 19 | $31,372 | $13,973 | $17,400 | $1,361 | $239,857 | $159,143 |
| Year 20 | $31,372 | $14,987 | $16,385 | $1,282 | $224,869 | $174,131 |
| Year 21 | $31,372 | $16,076 | $15,297 | $1,197 | $208,794 | $190,206 |
| Year 22 | $31,372 | $17,243 | $14,130 | $1,105 | $191,551 | $207,449 |
| Year 23 | $31,372 | $18,495 | $12,878 | $1,008 | $173,056 | $225,944 |
| Year 24 | $31,372 | $19,838 | $11,535 | $902 | $153,218 | $245,782 |
| Year 25 | $31,372 | $21,278 | $10,094 | $790 | $131,940 | $267,060 |
| Year 26 | $31,372 | $22,823 | $8,549 | $669 | $109,117 | $289,883 |
| Year 27 | $31,372 | $24,480 | $6,892 | $539 | $84,637 | $314,363 |
| Year 28 | $31,372 | $26,258 | $5,115 | $400 | $58,379 | $340,621 |
| Year 29 | $31,372 | $28,164 | $3,208 | $251 | $30,215 | $368,785 |
| Year 30 | $31,378 | $30,215 | $1,163 | $91 | $0 | $399,000 |
FHA Loan numbers for Vermont
- Typical Vermont home value
- $399,000
- 3.5% down ($13,965) · Zillow, August 31, 2026
- Loan amount
- $391,773
- Includes $6,738 financed UFMIP
- Estimated monthly payment
- $3,384
- APR 7.761%
- Vermont property tax
- 1.51%
- $502/mo
- Homeowners insurance
- $1,063/yr
- $89/mo
- Upfront MIP (1.75%)
- $6,738
- Financed into the loan
- Annual MIP
- 0.55%
- $179/mo in year 1 · life of loan
- Vermont FHA loan limit
- $541,287 – $832,750
- One-unit, by county
How much house can you afford in Vermont with an fha loan?
Highest price where principal, interest, Vermont property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $40,000 | $933 | $102,000 | $3,570 | 26% |
| $50,000 | $1,167 | $130,000 | $4,550 | 33% |
| $60,000 | $1,400 | $158,000 | $5,530 | 40% |
| $75,000 | $1,750 | $201,000 | $7,035 | 50% |
| $100,000 | $2,333 | $271,000 | $9,485 | 68% |
| $125,000 | $2,917 | $342,000 | $11,970 | 86% |
| $150,000 | $3,500 | $412,000 | $14,420 | 103% |
FHA vs other loan types in Vermont
$399,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $39,900 | $359,100 | — | $215 PMI | $3,202 | 7.488% |
| FHA | 3.5% · $13,965 | $391,773 | UFMIP $6,738 | $179 MIP | $3,384 | 7.761% |
| VA | 0% · $0 | $407,579 | Funding fee $8,579 | $0 | $3,311 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $79,800 | $319,200 | — | $0 | $2,721 | 7.030% |
Frequently asked questions
What is the monthly payment on a $399,000 home with an fha loan in Vermont?
Estimated $3,384 per month ($2,614 principal & interest, $502 property tax, $89 insurance, $179 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Vermont for 2026?
Between $541,287 and $832,750 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.