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VA Loan Calculator for Vermont

Free va loan calculator tailored for Vermont (VT). Calculate instantly with state-specific rates and rules.

Down Payment
Base Loan Amount
VA Funding Fee
Total Loan (with fee)
Monthly Payment
PMI Savings vs Conventional
Total Interest Over Life
Total Cost

VA Loans in Vermont

VA loans allow eligible veterans and active-duty service members to buy a home in Vermont with no down payment. On the median Vermont home of $375,000, that's the full $375,000 financed — no down payment required.

VA Loan Limits in Vermont

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Vermont is relevant only for veterans with reduced entitlement. All Vermont counties are at the standard conforming limit.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $375,000 loan, the funding fee is approximately $8,062. Veterans with service-connected disabilities are exempt.

Property Taxes in Vermont

VA loans don't change your property tax obligation. Vermont's effective rate is 1.78%, adding ~$556/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

VA Loan Calculator for Other States

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Frequently Asked Questions

Can I use a VA loan in Vermont?
Yes. VA loans are available in all states including Vermont. Eligible veterans and service members can buy the median Vermont home ($375,000) with no down payment.
What is the VA loan limit in Vermont?
Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. All Vermont counties are at the standard conforming limit.
How much is the VA funding fee in Vermont?
For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Vermont's median home of $375,000, that's approximately $8,062. Veterans with service-connected disabilities pay no funding fee.
What are closing costs on a VA loan in Vermont?
VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $3,800 in Vermont. Vermont charges a property transfer tax of 1.25% of purchase price for properties over $100,000 (0.5% for the first $100,000). Principal residence rates are discounted. Overall closing costs are moderate for the Northeast. Sellers can also contribute to closing costs.

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