Registration for the 2022 Vermont Statewide Housing Conference on November 16th is open! Register here or sign up to sponsor the conference today!

All VHFA programs are offered exclusively through our participating lenders

VHFA Offers

  • Loan Term

    Fixed rate, 30-year mortgages, for homebuyers purchasing their primary residence.

  • ASSIST Down Payment and Closing Cost Program

    VHFA ASSIST is a 0%, non-amortizing loan for down payment and/or usual and customary closing costs.

  • Mortgage Credit Certificates

    VHFA issues Mortgage Credit Certificates with up to a $2,000 annual tax credit for eligible borrowers.

  • Multiple Program Options:

    VHFA offers programs with varying requirements.

Refer to the VHFA Program and Procedural Guide and Job Aids for program information.

Lender Requirements

  • Vermont licensed mortgage lender for most recent 12 months.
  • Vermont mortgage production volume of at least $10 million.
  • Vermont physical location with assigned origination staff.
  • Originates FNMA, FHLMC, FHA, VA, or RD mortgage products.
  • Ability to deliver all mortgage loans servicing released.

Contact VHFA to learn more and start the VHFA lender approval process.