Choose your Vermont VA loan
VA Construction Loan
One application, one closing, zero down — from bare lot to move-in.
Vermont guide →VA Renovation Loan
Buy the fixer-upper — and finance the repairs — with one VA loan.
Vermont guide →VA Purchase Loan
The most powerful home-buying benefit in America — explained plainly.
Vermont guide →VA Refinance
Two VA refinances, two very different jobs. Pick the right one.
Vermont guide →VA IRRRL
Lower your VA rate with less paperwork — if the math works.
Vermont guide →VA Cash-Out Refinance
Refinance any loan into VA — and turn equity into cash.
Vermont guide →VA Assumable Loan
Keep the seller’s rate. Here is how assumptions really work.
Vermont guide →Vermont VA loan facts
| VA residual-income region | Northeast |
|---|---|
| Loan limit with full entitlement | None — no VA cap on how much you can borrow with $0 down |
| 2026 county limit (partial entitlement only) | $832,750 in most Vermont counties; higher in any designated high-cost county |
| Community-property state | No |
| State income tax on wages | Yes — factored into your residual income |
| Major military installations | Camp Johnson |
Disabled-veteran property tax relief in Vermont
Vermont exempts at least $10,000 of value for veterans rated 50% or more, and towns can raise it up to $40,000. Property taxes are part of your VA mortgage payment, so this benefit directly lowers what you pay each month and can increase what you qualify for. Rules and amounts change — confirm current details with your Vermont county tax office or appraisal district.
VA residual income required in Vermont
VA requires a minimum amount of money left over each month after your housing payment, debts and taxes. For loans of $80,000 or more in the Northeast region:
| Family size | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Minimum residual | $450 | $755 | $909 | $1,025 | $1,062 |
Add $80 for each family member beyond five. Meeting residual income by 20% or more can offset a debt-to-income ratio above 41%.
Vermont VA loan FAQ
Who is eligible for a VA loan in Vermont?
The same people as everywhere: most veterans, active-duty service members, Guard and Reserve members with qualifying service, and certain surviving spouses. Vermont residency is not required — the home must simply be your primary residence.
What is the VA loan limit in Vermont?
None with full entitlement. With partial entitlement, the 2026 county limit applies ($832,750 in most Vermont counties).
Do Vermont disabled veterans pay property tax?
Vermont exempts at least $10,000 of value for veterans rated 50% or more, and towns can raise it up to $40,000.
Can I build a new home in Vermont with a VA loan?
Yes. A VA one-time-close construction loan can finance the lot and build with $0 down, using an experienced builder — VA no longer requires a VA builder ID.
