Veterans with full entitlement have no VA loan limit in Vermont. With reduced entitlement, 2026 county limits in Vermont range from $832,750 to $832,750 (Addison County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Vermont (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Addison County | $832,750 | $541,287 |
| Bennington County | $832,750 | $541,287 |
| Caledonia County | $832,750 | $541,287 |
| Chittenden County | $832,750 | $575,000 |
| Essex County | $832,750 | $541,287 |
| Franklin County | $832,750 | $575,000 |
| Grand Isle County | $832,750 | $575,000 |
| Lamoille County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Orleans County | $832,750 | $541,287 |
| Rutland County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Windham County | $832,750 | $541,287 |
| Windsor County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Vermont?
Veterans with full entitlement have no VA loan limit in Vermont. With reduced entitlement, 2026 county limits in Vermont range from $832,750 to $832,750 (Addison County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.