Are you a first-time homebuyer in Vermont? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the Green Mountain State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Navigate the Vermont real estate market with confidence and uncover the unique opportunities that await you in the scenic landscapes, charming towns, and close-knit communities.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Manufactured Housing Down Payment Loan | Up to $35,000 in down payment assistance | Any homebuyer buying a manufactured home | Loan |
| NeighborWorks Down Payment Assistance Loan | Up to $40,000 in down payment assistance | Any homebuyer that can meet income and credit score requirements | Second loan |
| VFHA: ASSIST | Up to $5,000 in down payment and closing costs assistance | First time homebuyers | Deferred loan with a 0% interest rate |
| VFHA: MOVE Mortgage Credit Certificate | Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers that can meet income requirements | Tax credit |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Central Vermont | Downstreet Down Payment Assistance Program | Up to $40,000 in down payment assistance | First time homebuyers that can meet income requirements | Grant |
| Southeast Vermont | Windham & Windsor Mortgage & Loan Assistance | Down payment assistance - amount not specified | Any homebuyer | Grant |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Burlington neighborhoods: Old North End, Lakeside, King Street | CEDO & CHT Buy a Home | Up to $10,000 in down payment assistance | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
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