The VHAP program portal will close to new applicants on 6/12/23. All applications must be completed and submitted on

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VHFA provides helpful mortgage loan programs for eligible VT homebuyers. All VHFA programs are offered exclusively through local VHFA participating lenders. VHFA benefits include:

  • Up to $15,000 down payment and closing assistance with VHFA ASSIST
  • Up to $825 savings on Vermont Property Transfer Tax at closing
  • Annual Federal tax credit when using the Mortgage Credit Certificate (MCC) 

Contact a VHFA Participating Lender!

The first step is to contact a VHFA participating lender and ask about VHFA programs. Please visit our participating lender webpage, select a lender, then choose a loan originator to contact. Your loan originator will help you understand:

  • The mortgage application process
  • About how much you can afford to borrow
  • Estimated down payment, closing costs and monthly payment
  • Eligibility for VHFA programs including down payment and closing cost assistance.

Attend a Free Homebuying 101 Educational Event! 

Not ready to meet with a lender?

Need help improving credit or increasing savings? Want more information about the homebuying process and other special programs? Contact a VT NeighborWorks Homeownership Center nearest you and sign up for homebuyer education! Homebuyer education classes can help you understand:

  • Mortgage loan requirements (credit, savings, income, etc.)
  • How to build or rebuild you credit, savings and affordability 
  • What look out for in the home buying process
  • Special homebuyer programs to help you 
  • Where to get started

Go to our Homebuyer Education & Counseling Page for more information.

Curious About How VHFA Works?