VA loans in Burlington.
The Chittenden County figure on this page is a county reference only, not an address-based lookup for Burlington. Confirm the property's county before relying on it.
Chittenden County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Chittenden County (FIPS 50007)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Chittenden County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Burlington. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionBurlington requires a building permit for almost all non-trade work — including demolition
Burlington's Permitting & Inspections Building and Trades Division says a building permit is required for all work other than mechanical, electrical and plumbing, except carpeting, painting, nonsolid fences, storm doors or windows, and in-kind repairs costing $1,000 or less. Demolition also needs a building permit and usually asbestos testing. Mechanical, electrical and plumbing work uses separate trades permits.
The division notes that Vermont adopted updated fire, building, electrical and plumbing codes in November 2025, and that inspections at rental properties require 48 hours' notice to tenants. Practical step: ask for permits covering kitchen, bath or structural work, and check whether a planned demolition needs asbestos testing.
Burlington permit status and closure: ask Customer Service, and check the OpenGov record
Burlington's construction permit FAQ directs questions about a property's permit activity — pending, historic, open, awaiting payment or closed — to DPW/ISD Customer Service, and technical questions to the inspector for that discipline. At the end of a project, the inspector records the permit's closure in the City's OpenGov database, and account holders can view their permitting history online.
Practical step: before closing, ask Customer Service for the address's permit list and whether each permit shows as closed. An open permit may need a final inspection that you would otherwise inherit. The FAQ also reminds owners that permits must be posted in full view and available to the inspector throughout a project, which helps you spot active work during a showing. Fire alarm and sprinkler permits are issued separately by the Office of the Fire Marshal.
- FHFA — Conforming loan limit values
- City of Burlington Permitting & Inspections — Building & Trades Division
- City of Burlington — Construction Permit FAQs
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in VT.
$0 down in Burlington. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of VT veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Burlington, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Burlington purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Burlington — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Burlington is Chittenden County (FIPS 50007), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Burlington with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Burlington — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.